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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 | $34,753 | $29,569+17.5% | $56,077-38.0% | $77,714-55.3% |
| Participation rate | 6.6% | 32.6%-26.0pp | 52.5%-45.9pp | 70.6%-64.0pp |
| Annual return | 12.74% | 18.90%-6.2pp | 1709.28%-1696.5pp | 31.26%-18.5pp |
| Employer contribution / active EE | $179 | $569-68.5% | $1,040-82.8% | $2,727-93.4% |
| Participant deferral / active EE | $358 | $1,061-66.3% | $1,954-81.7% | $4,649-92.3% |
| Admin fee / account holder | $731 | $1,042-29.8% | $2,825-74.1% | $433+68.8% |