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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 | $13,843 | $27,243-49.2% | $52,425-73.6% | $79,634-82.6% |
| Participation rate | 7.5% | 22.4%-14.9pp | 55.6%-48.1pp | 62.5%-54.9pp |
| Annual return | 20.90% | 63.36%-42.5pp | 302.12%-281.2pp | 36.46%-15.6pp |
| Employer contribution / active EE | $157 | $319-50.9% | $914-82.9% | $2,529-93.8% |
| Participant deferral / active EE | $186 | $636-70.7% | $1,790-89.6% | $3,835-95.1% |
| Admin fee / account holder | $425 | $2,105-79.8% | $2,495-83.0% | $1,002-57.6% |