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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 | $42,608 | $29,051+46.7% | $52,425-18.7% | $67,986-37.3% |
| Participation rate | 8.8% | 30.4%-21.6pp | 55.6%-46.8pp | 57.2%-48.4pp |
| Annual return | 16.35% | 24.00%-7.6pp | 302.12%-285.8pp | 31.67%-15.3pp |
| Employer contribution / active EE | $166 | $412-59.7% | $914-81.8% | $2,019-91.8% |
| Participant deferral / active EE | $501 | $873-42.6% | $1,790-72.0% | $3,358-85.1% |
| Admin fee / account holder | $2,974 | $2,113+40.8% | $2,495+19.2% | $3,203-7.1% |