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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 | $12,048 | $43,133-72.1% | $89,435-86.5% | $73,497-83.6% |
| Participation rate | 43.4% | 55.0%-11.6pp | 68.0%-24.6pp | 70.7%-27.3pp |
| Annual return | 14.11% | 135.66%-121.6pp | 245.55%-231.4pp | 28.51%-14.4pp |
| Employer contribution / active EE | $331 | $1,438-77.0% | $2,587-87.2% | $2,270-85.4% |
| Participant deferral / active EE | $805 | $2,445-67.1% | $3,890-79.3% | $3,740-78.5% |
| Admin fee / account holder | $442 | $444-0.3% | $4,884-90.9% | $513-13.8% |