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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 | $15,479 | $29,546-47.6% | $56,441-72.6% | $77,671-80.1% |
| Participation rate | 9.3% | 32.7%-23.4pp | 52.5%-43.2pp | 70.6%-61.3pp |
| Annual return | 26.97% | 19.01%+8.0pp | 1704.21%-1677.2pp | 31.21%-4.2pp |
| Employer contribution / active EE | $267 | $568-53.1% | $1,039-74.3% | $2,726-90.2% |
| Participant deferral / active EE | $589 | $1,061-44.5% | $1,953-69.8% | $4,648-87.3% |
| Admin fee / account holder | $2,371 | $1,046+126.7% | $2,829-16.2% | $430+450.9% |