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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 | $6,270 | $29,319-78.6% | $52,425-88.0% | $82,448-92.4% |
| Participation rate | 68.8% | 46.9%+21.9pp | 55.6%+13.1pp | 68.1%+0.7pp |
| Annual return | 21.62% | 535.20%-513.6pp | 302.12%-280.5pp | 41.64%-20.0pp |
| Employer contribution / active EE | $398 | $586-32.1% | $914-56.5% | $2,551-84.4% |
| Participant deferral / active EE | $589 | $1,171-49.7% | $1,790-67.1% | $4,139-85.8% |
| Admin fee / account holder | $1,081 | $1,962-44.9% | $2,495-56.7% | $7,234-85.1% |