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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 | $29,569-47.7% | $56,077-72.4% | $77,714-80.1% |
| Participation rate | 9.3% | 32.6%-23.3pp | 52.5%-43.2pp | 70.6%-61.3pp |
| Annual return | 26.97% | 18.90%+8.1pp | 1709.28%-1682.3pp | 31.26%-4.3pp |
| Employer contribution / active EE | $267 | $569-53.1% | $1,040-74.4% | $2,727-90.2% |
| Participant deferral / active EE | $589 | $1,061-44.5% | $1,954-69.9% | $4,649-87.3% |
| Admin fee / account holder | $2,371 | $1,042+127.5% | $2,825-16.1% | $433+447.3% |