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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 | $37,193 | $29,733+25.1% | $56,025-33.6% | $80,959-54.1% |
| Participation rate | 10.5% | 41.7%-31.2pp | 52.5%-42.0pp | 67.7%-57.1pp |
| Annual return | 17.73% | 35.28%-17.6pp | 1712.69%-1695.0pp | 35.67%-17.9pp |
| Employer contribution / active EE | $244 | $672-63.7% | $1,042-76.6% | $2,757-91.2% |
| Participant deferral / active EE | $727 | $1,229-40.9% | $1,955-62.8% | $4,300-83.1% |
| Admin fee / account holder | $3,144 | $2,434+29.2% | $2,828+11.2% | $6,925-54.6% |