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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 | $33,484 | $29,525+13.4% | $56,033-40.2% | $77,736-56.9% |
| Participation rate | 7.1% | 32.7%-25.6pp | 52.5%-45.4pp | 70.6%-63.5pp |
| Annual return | 15.56% | 18.90%-3.3pp | 1711.38%-1695.8pp | 31.26%-15.7pp |
| Employer contribution / active EE | $247 | $569-56.7% | $1,041-76.3% | $2,728-91.0% |
| Participant deferral / active EE | $550 | $1,062-48.2% | $1,954-71.8% | $4,651-88.2% |
| Admin fee / account holder | $3,562 | $1,040+242.5% | $2,827+26.0% | $433+722.0% |