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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 | $38,808 | $34,316+13.1% | $74,723-48.1% | $72,976-46.8% |
| Participation rate | 17.6% | 42.4%-24.8pp | 54.5%-36.8pp | 69.5%-51.8pp |
| Annual return | 21.69% | 26.58%-4.9pp | 753.18%-731.5pp | 81.02%-59.3pp |
| Employer contribution / active EE | $267 | $692-61.4% | $1,084-75.4% | $2,440-89.1% |
| Participant deferral / active EE | $1,898 | $1,272+49.3% | $1,962-3.2% | $3,608-47.4% |
| Admin fee / account holder | $805 | $2,125-62.1% | $3,335-75.9% | $5,124-84.3% |