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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 | $42,024 | $47,977-12.4% | $154,108-72.7% | $56,289-25.3% |
| Participation rate | 43.0% | 66.2%-23.2pp | 83.0%-40.0pp | 69.9%-26.9pp |
| Annual return | 8.51% | 3.54%+5.0pp | 735.21%-726.7pp | -9.96%+18.5pp |
| Employer contribution / active EE | $636 | $2,169-70.7% | $5,298-88.0% | $2,111-69.9% |
| Participant deferral / active EE | $1,130 | $2,392-52.7% | $5,081-77.8% | $3,350-66.3% |
| Admin fee / account holder | $938 | $438+114.0% | $13,411-93.0% | $521+80.1% |