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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 | $32,897 | $27,243+20.8% | $52,425-37.2% | $79,634-58.7% |
| Participation rate | 5.2% | 22.4%-17.2pp | 55.6%-50.4pp | 62.5%-57.2pp |
| Annual return | 20.55% | 63.36%-42.8pp | 302.12%-281.6pp | 36.46%-15.9pp |
| Employer contribution / active EE | $135 | $319-57.7% | $914-85.2% | $2,529-94.7% |
| Participant deferral / active EE | $223 | $636-64.9% | $1,790-87.5% | $3,835-94.2% |
| Admin fee / account holder | $889 | $2,105-57.8% | $2,495-64.4% | $1,002-11.3% |