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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 | $35,345 | $29,667+19.1% | $56,441-37.4% | $80,874-56.3% |
| Participation rate | 25.8% | 41.7%-15.9pp | 52.5%-26.7pp | 67.6%-41.8pp |
| Annual return | 21.31% | 35.22%-13.9pp | 1704.21%-1682.9pp | 35.62%-14.3pp |
| Employer contribution / active EE | $423 | $669-36.8% | $1,039-59.3% | $2,756-84.7% |
| Participant deferral / active EE | $2,102 | $1,227+71.4% | $1,953+7.6% | $4,297-51.1% |
| Admin fee / account holder | $2,918 | $2,429+20.1% | $2,829+3.1% | $6,935-57.9% |