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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 | $43,420 | $41,016+5.9% | $152,093-71.5% | $64,097-32.3% |
| Participation rate | 32.1% | 51.3%-19.3pp | 77.8%-45.7pp | 55.2%-23.1pp |
| Annual return | 15.90% | 39.60%-23.7pp | 66.36%-50.5pp | 34.64%-18.7pp |
| Employer contribution / active EE | $885 | $1,342-34.0% | $4,175-78.8% | $1,891-53.2% |
| Participant deferral / active EE | $1,635 | $1,927-15.2% | $5,451-70.0% | $3,080-46.9% |
| Admin fee / account holder | $1,808 | $2,305-21.6% | $14,497-87.5% | $3,454-47.7% |