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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 | $18,947 | $56,431-66.4% | $130,788-85.5% | $87,485-78.3% |
| Participation rate | 32.7% | 58.9%-26.3pp | 70.1%-37.4pp | 68.9%-36.3pp |
| Annual return | 13.29% | 91.27%-78.0pp | 386.44%-373.2pp | 26.06%-12.8pp |
| Employer contribution / active EE | $384 | $1,549-75.2% | $3,558-89.2% | $2,596-85.2% |
| Participant deferral / active EE | $1,206 | $2,749-56.1% | $4,137-70.9% | $4,274-71.8% |
| Admin fee / account holder | $6,464 | $4,433+45.8% | $6,673-3.1% | $7,775-16.9% |