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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 | $29,736+20.1% | $56,033-36.3% | $80,935-55.9% |
| Participation rate | 53.5% | 41.7%+11.8pp | 52.5%+1.0pp | 67.7%-14.2pp |
| Annual return | 13.12% | 35.28%-22.2pp | 1711.38%-1698.3pp | 35.66%-22.5pp |
| Employer contribution / active EE | $966 | $671+43.8% | $1,041-7.2% | $2,757-65.0% |
| Participant deferral / active EE | $2,097 | $1,228+70.7% | $1,954+7.3% | $4,299-51.2% |
| Admin fee / account holder | $954 | $2,434-60.8% | $2,827-66.3% | $6,924-86.2% |