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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 | $35,402 | $29,554+19.8% | $56,054-36.8% | $77,692-54.4% |
| Participation rate | 7.2% | 32.6%-25.4pp | 52.5%-45.2pp | 70.6%-63.3pp |
| Annual return | 12.82% | 18.89%-6.1pp | 1705.95%-1693.1pp | 31.25%-18.4pp |
| Employer contribution / active EE | $247 | $568-56.5% | $1,039-76.2% | $2,726-90.9% |
| Participant deferral / active EE | $440 | $1,061-58.5% | $1,952-77.4% | $4,648-90.5% |
| Admin fee / account holder | $3,057 | $1,046+192.3% | $2,822+8.3% | $431+610.0% |