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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 | $38,556 | $30,437+26.7% | $56,033-31.2% | $74,459-48.2% |
| Participation rate | 32.2% | 32.9%-0.6pp | 52.5%-20.2pp | 67.2%-35.0pp |
| Annual return | 11.69% | 24.96%-13.3pp | 1711.38%-1699.7pp | 1369.70%-1358.0pp |
| Employer contribution / active EE | $687 | $610+12.6% | $1,041-34.0% | $2,626-73.9% |
| Participant deferral / active EE | $2,194 | $1,176+86.6% | $1,954+12.3% | $4,350-49.6% |
| Admin fee / account holder | $1,452 | $2,363-38.6% | $2,827-48.6% | $1,945-25.4% |