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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,203 | $68,607-15.2% | $147,027-60.4% | $64,340-9.5% |
| Participation rate | 68.2% | 50.4%+17.8pp | 73.7%-5.6pp | 55.2%+12.9pp |
| Annual return | 17.26% | 13.75%+3.5pp | 20.23%-3.0pp | 24.14%-6.9pp |
| Employer contribution / active EE | $754 | $1,554-51.5% | $3,626-79.2% | $1,862-59.5% |
| Participant deferral / active EE | $3,931 | $2,402+63.7% | $4,933-20.3% | $2,980+31.9% |
| Admin fee / account holder | $4,059 | $3,287+23.5% | $12,223-66.8% | $3,703+9.6% |