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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 | $46,153 | $26,805+72.2% | $59,496-22.4% | $52,331-11.8% |
| Participation rate | 8.5% | 39.3%-30.8pp | 54.6%-46.1pp | 68.1%-59.6pp |
| Annual return | 0.15% | 2.61%-2.5pp | 182.05%-181.9pp | 4.54%-4.4pp |
| Employer contribution / active EE | $179 | $450-60.1% | $1,153-84.4% | $1,882-90.5% |
| Participant deferral / active EE | $484 | $916-47.2% | $1,829-73.5% | $3,022-84.0% |
| Admin fee / account holder | $1,938 | $305+535.8% | $2,232-13.2% | $592+227.6% |