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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 | $29,569-68.4% | $56,077-83.4% | $77,714-88.0% |
| Participation rate | 6.4% | 32.6%-26.2pp | 52.5%-46.1pp | 70.6%-64.1pp |
| Annual return | 27.05% | 18.90%+8.2pp | 1709.28%-1682.2pp | 31.26%-4.2pp |
| Employer contribution / active EE | $247 | $569-56.5% | $1,040-76.2% | $2,727-90.9% |
| Participant deferral / active EE | $317 | $1,061-70.1% | $1,954-83.8% | $4,649-93.2% |
| Admin fee / account holder | $980 | $1,042-6.0% | $2,825-65.3% | $433+126.1% |