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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 | $28,292 | $43,496-35.0% | $161,489-82.5% | $64,340-56.0% |
| Participation rate | 32.4% | 53.5%-21.1pp | 78.7%-46.3pp | 55.2%-22.9pp |
| Annual return | 211.77% | 20.76%+191.0pp | 89.72%+122.1pp | 24.14%+187.6pp |
| Employer contribution / active EE | $414 | $1,431-71.1% | $4,268-90.3% | $1,862-77.8% |
| Participant deferral / active EE | $1,366 | $1,996-31.6% | $5,630-75.7% | $2,980-54.2% |
| Admin fee / account holder | $943 | $2,330-59.5% | $16,006-94.1% | $3,703-74.5% |