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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 | $43,124 | $29,736+45.0% | $56,033-23.0% | $80,935-46.7% |
| Participation rate | 20.9% | 41.7%-20.8pp | 52.5%-31.6pp | 67.7%-46.7pp |
| Annual return | 13.25% | 35.28%-22.0pp | 1711.38%-1698.1pp | 35.66%-22.4pp |
| Employer contribution / active EE | $337 | $671-49.8% | $1,041-67.6% | $2,757-87.8% |
| Participant deferral / active EE | $825 | $1,228-32.8% | $1,954-57.8% | $4,299-80.8% |
| Admin fee / account holder | $6,075 | $2,434+149.6% | $2,827+114.9% | $6,924-12.3% |