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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 | $31,274 | $29,733+5.2% | $56,025-44.2% | $80,959-61.4% |
| Participation rate | 14.6% | 41.7%-27.1pp | 52.5%-37.9pp | 67.7%-53.1pp |
| Annual return | 19.40% | 35.28%-15.9pp | 1712.69%-1693.3pp | 35.67%-16.3pp |
| Employer contribution / active EE | $494 | $672-26.5% | $1,042-52.6% | $2,757-82.1% |
| Participant deferral / active EE | $1,504 | $1,229+22.3% | $1,955-23.1% | $4,300-65.0% |
| Admin fee / account holder | $3,055 | $2,434+25.5% | $2,828+8.0% | $6,925-55.9% |