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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 | $35,699 | $29,670+20.3% | $56,054-36.3% | $80,911-55.9% |
| Participation rate | 53.5% | 41.7%+11.8pp | 52.5%+1.0pp | 67.6%-14.2pp |
| Annual return | 13.12% | 35.24%-22.1pp | 1705.95%-1692.8pp | 35.63%-22.5pp |
| Employer contribution / active EE | $966 | $670+44.2% | $1,039-7.1% | $2,756-65.0% |
| Participant deferral / active EE | $2,097 | $1,227+70.9% | $1,952+7.4% | $4,297-51.2% |
| Admin fee / account holder | $954 | $2,431-60.7% | $2,822-66.2% | $6,935-86.2% |