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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 | $34,063 | $27,936+21.9% | $58,561-41.8% | $75,173-54.7% |
| Participation rate | 45.3% | 38.8%+6.5pp | 50.9%-5.6pp | 67.2%-21.9pp |
| Annual return | 16.78% | 44.21%-27.4pp | 4251.33%-4234.5pp | 160.72%-143.9pp |
| Employer contribution / active EE | $610 | $670-8.9% | $1,053-42.1% | $2,671-77.2% |
| Participant deferral / active EE | $2,030 | $1,202+68.9% | $1,923+5.6% | $4,126-50.8% |
| Admin fee / account holder | $2,041 | $1,727+18.2% | $2,520-19.0% | $5,651-63.9% |