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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 | $9,336 | $29,546-68.4% | $56,441-83.5% | $77,671-88.0% |
| Participation rate | 6.4% | 32.7%-26.2pp | 52.5%-46.1pp | 70.6%-64.1pp |
| Annual return | 27.05% | 19.01%+8.0pp | 1704.21%-1677.2pp | 31.21%-4.2pp |
| Employer contribution / active EE | $247 | $568-56.5% | $1,039-76.2% | $2,726-90.9% |
| Participant deferral / active EE | $317 | $1,061-70.1% | $1,953-83.8% | $4,648-93.2% |
| Admin fee / account holder | $980 | $1,046-6.3% | $2,829-65.4% | $430+127.6% |