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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 | $15,801 | $29,733-46.9% | $56,025-71.8% | $80,959-80.5% |
| Participation rate | 22.2% | 41.7%-19.5pp | 52.5%-30.3pp | 67.7%-45.4pp |
| Annual return | 11.96% | 35.28%-23.3pp | 1712.69%-1700.7pp | 35.67%-23.7pp |
| Employer contribution / active EE | $271 | $672-59.6% | $1,042-74.0% | $2,757-90.2% |
| Participant deferral / active EE | $1,144 | $1,229-6.9% | $1,955-41.4% | $4,300-73.4% |
| Admin fee / account holder | $9,634 | $2,434+295.9% | $2,828+240.6% | $6,925+39.1% |