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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 | $36,183 | $27,800+30.2% | $58,561-38.2% | $71,511-49.4% |
| Participation rate | 46.1% | 34.6%+11.5pp | 50.9%-4.8pp | 67.9%-21.8pp |
| Annual return | 17.34% | 26.80%-9.5pp | 4251.33%-4234.0pp | 28.86%-11.5pp |
| Employer contribution / active EE | $572 | $632-9.4% | $1,053-45.7% | $2,589-77.9% |
| Participant deferral / active EE | $2,175 | $1,208+80.0% | $1,923+13.1% | $4,291-49.3% |
| Admin fee / account holder | $1,889 | $1,637+15.4% | $2,520-25.0% | $1,588+18.9% |