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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 | $38,841 | $54,757-29.1% | $90,300-57.0% | $72,983-46.8% |
| Participation rate | 67.6% | 65.1%+2.5pp | 73.3%-5.6pp | 69.5%-1.8pp |
| Annual return | 28.99% | 30.63%-1.6pp | 78.11%-49.1pp | 81.01%-52.0pp |
| Employer contribution / active EE | $300 | $2,092-85.7% | $2,854-89.5% | $2,440-87.7% |
| Participant deferral / active EE | $5,294 | $2,887+83.4% | $3,884+36.3% | $3,608+46.7% |
| Admin fee / account holder | $4,263 | $3,972+7.3% | $5,353-20.4% | $5,124-16.8% |