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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 | $40,397 | $75,541-46.5% | $152,093-73.4% | $82,637-51.1% |
| Participation rate | 69.7% | 66.5%+3.2pp | 77.8%-8.1pp | 68.1%+1.6pp |
| Annual return | 21.75% | 32.56%-10.8pp | 66.36%-44.6pp | 53.51%-31.8pp |
| Employer contribution / active EE | $2,166 | $2,622-17.4% | $4,175-48.1% | $2,552-15.1% |
| Participant deferral / active EE | $4,884 | $3,206+52.4% | $5,451-10.4% | $4,126+18.4% |
| Admin fee / account holder | $770 | $6,405-88.0% | $14,497-94.7% | $7,339-89.5% |