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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 | $35,662 | $29,670+20.2% | $56,054-36.4% | $80,911-55.9% |
| Participation rate | 31.9% | 41.7%-9.8pp | 52.5%-20.6pp | 67.6%-35.7pp |
| Annual return | 18.99% | 35.24%-16.3pp | 1705.95%-1687.0pp | 35.63%-16.6pp |
| Employer contribution / active EE | $761 | $670+13.7% | $1,039-26.7% | $2,756-72.4% |
| Participant deferral / active EE | $3,043 | $1,227+148.1% | $1,952+55.9% | $4,297-29.2% |
| Admin fee / account holder | $865 | $2,431-64.4% | $2,822-69.4% | $6,935-87.5% |