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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 | $47,122 | $29,525+59.6% | $56,033-15.9% | $77,736-39.4% |
| Participation rate | 10.4% | 32.7%-22.3pp | 52.5%-42.1pp | 70.6%-60.2pp |
| Annual return | 13.26% | 18.90%-5.6pp | 1711.38%-1698.1pp | 31.26%-18.0pp |
| Employer contribution / active EE | $241 | $569-57.6% | $1,041-76.8% | $2,728-91.2% |
| Participant deferral / active EE | $473 | $1,062-55.4% | $1,954-75.8% | $4,651-89.8% |
| Admin fee / account holder | $1,836 | $1,040+76.5% | $2,827-35.1% | $433+323.6% |