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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 | $20,114 | $45,900-56.2% | $94,057-78.6% | $64,340-68.7% |
| Participation rate | 13.0% | 50.6%-37.6pp | 73.3%-60.3pp | 55.2%-42.2pp |
| Annual return | 17.13% | 50.47%-33.3pp | 480.62%-463.5pp | 24.14%-7.0pp |
| Employer contribution / active EE | $184 | $1,612-88.6% | $2,933-93.7% | $1,862-90.1% |
| Participant deferral / active EE | $677 | $2,102-67.8% | $4,709-85.6% | $2,980-77.3% |
| Admin fee / account holder | $1,381 | $3,143-56.1% | $7,244-80.9% | $3,703-62.7% |