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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 | $31,641 | $29,733+6.4% | $56,025-43.5% | $80,959-60.9% |
| Participation rate | 48.1% | 41.7%+6.4pp | 52.5%-4.4pp | 67.7%-19.5pp |
| Annual return | 11.17% | 35.28%-24.1pp | 1712.69%-1701.5pp | 35.67%-24.5pp |
| Employer contribution / active EE | $885 | $672+31.7% | $1,042-15.0% | $2,757-67.9% |
| Participant deferral / active EE | $2,923 | $1,229+137.7% | $1,955+49.5% | $4,300-32.0% |
| Admin fee / account holder | $953 | $2,434-60.8% | $2,828-66.3% | $6,925-86.2% |