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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 | $33,937 | $29,716+14.2% | $56,077-39.5% | $80,925-58.1% |
| Participation rate | 47.5% | 41.7%+5.8pp | 52.5%-5.0pp | 67.7%-20.2pp |
| Annual return | 12.76% | 35.30%-22.5pp | 1709.28%-1696.5pp | 35.65%-22.9pp |
| Employer contribution / active EE | $669 | $671-0.3% | $1,040-35.7% | $2,756-75.7% |
| Participant deferral / active EE | $1,546 | $1,228+25.8% | $1,954-20.9% | $4,299-64.0% |
| Admin fee / account holder | $3,167 | $2,432+30.2% | $2,825+12.1% | $6,940-54.4% |