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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 | $38,460-30.7% | $97,032-72.5% | $65,191-59.1% |
| Participation rate | 5.3% | 23.6%-18.4pp | 71.6%-66.3pp | 63.0%-57.7pp |
| Annual return | 12.96% | 78.38%-65.4pp | 35.38%-22.4pp | 51.24%-38.3pp |
| Employer contribution / active EE | $112 | $532-78.9% | $2,629-95.7% | $2,400-95.3% |
| Participant deferral / active EE | $234 | $957-75.5% | $4,672-95.0% | $2,671-91.2% |
| Admin fee / account holder | $2,407 | $2,414-0.3% | $9,418-74.4% | $907+165.4% |