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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 | $17,940 | $29,507-39.2% | $56,025-68.0% | $77,762-76.9% |
| Participation rate | 24.9% | 32.7%-7.8pp | 52.5%-27.6pp | 70.6%-45.7pp |
| Annual return | 31.22% | 18.90%+12.3pp | 1712.69%-1681.5pp | 31.27%-0.1pp |
| Employer contribution / active EE | $192 | $570-66.4% | $1,042-81.6% | $2,728-93.0% |
| Participant deferral / active EE | $345 | $1,062-67.5% | $1,955-82.4% | $4,651-92.6% |
| Admin fee / account holder | $1,381 | $1,041+32.7% | $2,828-51.2% | $433+218.9% |