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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 | $33,142 | $29,736+11.5% | $56,033-40.9% | $80,935-59.1% |
| Participation rate | 45.2% | 41.7%+3.5pp | 52.5%-7.3pp | 67.7%-22.4pp |
| Annual return | 12.44% | 35.28%-22.8pp | 1711.38%-1698.9pp | 35.66%-23.2pp |
| Employer contribution / active EE | $691 | $671+2.9% | $1,041-33.7% | $2,757-74.9% |
| Participant deferral / active EE | $2,396 | $1,228+95.1% | $1,954+22.6% | $4,299-44.3% |
| Admin fee / account holder | $2,506 | $2,434+3.0% | $2,827-11.4% | $6,924-63.8% |