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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 | $29,525-47.6% | $56,033-72.4% | $77,736-80.1% |
| Participation rate | 9.3% | 32.7%-23.3pp | 52.5%-43.2pp | 70.6%-61.3pp |
| Annual return | 26.97% | 18.90%+8.1pp | 1711.38%-1684.4pp | 31.26%-4.3pp |
| Employer contribution / active EE | $267 | $569-53.2% | $1,041-74.4% | $2,728-90.2% |
| Participant deferral / active EE | $589 | $1,062-44.5% | $1,954-69.9% | $4,651-87.3% |
| Admin fee / account holder | $2,371 | $1,040+128.0% | $2,827-16.1% | $433+447.2% |