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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 | $10,571 | $34,316-69.2% | $74,722-85.9% | $72,975-85.5% |
| Participation rate | 32.5% | 42.4%-9.9pp | 54.5%-22.0pp | 69.5%-37.0pp |
| Annual return | 31.92% | 26.58%+5.3pp | 753.11%-721.2pp | 81.01%-49.1pp |
| Employer contribution / active EE | $478 | $692-30.9% | $1,084-55.9% | $2,440-80.4% |
| Participant deferral / active EE | $665 | $1,272-47.7% | $1,963-66.1% | $3,608-81.6% |
| Admin fee / account holder | $1,186 | $2,125-44.2% | $3,335-64.4% | $5,124-76.8% |