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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 | $15,409 | $30,421-49.3% | $56,077-72.5% | $74,429-79.3% |
| Participation rate | 14.4% | 32.9%-18.5pp | 52.5%-38.1pp | 67.2%-52.8pp |
| Annual return | 13.91% | 24.94%-11.0pp | 1709.28%-1695.4pp | 1368.38%-1354.5pp |
| Employer contribution / active EE | $306 | $610-49.8% | $1,040-70.6% | $2,625-88.3% |
| Participant deferral / active EE | $731 | $1,175-37.8% | $1,954-62.6% | $4,348-83.2% |
| Admin fee / account holder | $3,154 | $2,363+33.4% | $2,825+11.6% | $1,944+62.2% |