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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 | $16,575 | $29,507-43.8% | $56,025-70.4% | $77,762-78.7% |
| Participation rate | 11.9% | 32.7%-20.9pp | 52.5%-40.6pp | 70.6%-58.7pp |
| Annual return | 16.18% | 18.90%-2.7pp | 1712.69%-1696.5pp | 31.27%-15.1pp |
| Employer contribution / active EE | $290 | $570-49.0% | $1,042-72.1% | $2,728-89.4% |
| Participant deferral / active EE | $404 | $1,062-62.0% | $1,955-79.3% | $4,651-91.3% |
| Admin fee / account holder | $542 | $1,041-48.0% | $2,828-80.9% | $433+25.1% |