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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 | $29,507-68.4% | $56,025-83.3% | $77,762-88.0% |
| Participation rate | 6.4% | 32.7%-26.3pp | 52.5%-46.1pp | 70.6%-64.1pp |
| Annual return | 27.05% | 18.90%+8.2pp | 1712.69%-1685.6pp | 31.27%-4.2pp |
| Employer contribution / active EE | $247 | $570-56.6% | $1,042-76.2% | $2,728-90.9% |
| Participant deferral / active EE | $317 | $1,062-70.1% | $1,955-83.8% | $4,651-93.2% |
| Admin fee / account holder | $980 | $1,041-5.9% | $2,828-65.4% | $433+126.3% |