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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 | $32,159 | $29,736+8.1% | $56,033-42.6% | $80,935-60.3% |
| Participation rate | 23.5% | 41.7%-18.2pp | 52.5%-29.0pp | 67.7%-44.1pp |
| Annual return | 14.31% | 35.28%-21.0pp | 1711.38%-1697.1pp | 35.66%-21.3pp |
| Employer contribution / active EE | $764 | $671+13.8% | $1,041-26.6% | $2,757-72.3% |
| Participant deferral / active EE | $2,289 | $1,228+86.4% | $1,954+17.2% | $4,299-46.8% |
| Admin fee / account holder | $3,433 | $2,434+41.1% | $2,827+21.4% | $6,924-50.4% |