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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 | $26,638 | $36,595-27.2% | $88,179-69.8% | $71,012-62.5% |
| Participation rate | 5.3% | 29.2%-23.9pp | 69.1%-63.9pp | 58.6%-53.3pp |
| Annual return | 12.96% | 61.46%-48.5pp | 64.97%-52.0pp | 37.67%-24.7pp |
| Employer contribution / active EE | $112 | $787-85.8% | $2,549-95.6% | $2,348-95.2% |
| Participant deferral / active EE | $234 | $1,195-80.4% | $4,614-94.9% | $3,246-92.8% |
| Admin fee / account holder | $2,407 | $2,755-12.6% | $7,673-68.6% | $1,167+106.3% |