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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 | $29,733+19.9% | $56,025-36.3% | $80,959-56.0% |
| Participation rate | 31.9% | 41.7%-9.8pp | 52.5%-20.6pp | 67.7%-35.8pp |
| Annual return | 18.99% | 35.28%-16.3pp | 1712.69%-1693.7pp | 35.67%-16.7pp |
| Employer contribution / active EE | $761 | $672+13.3% | $1,042-26.9% | $2,757-72.4% |
| Participant deferral / active EE | $3,043 | $1,229+147.5% | $1,955+55.7% | $4,300-29.2% |
| Admin fee / account holder | $865 | $2,434-64.5% | $2,828-69.4% | $6,925-87.5% |