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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 | $29,546-43.9% | $56,441-70.6% | $77,671-78.7% |
| Participation rate | 11.9% | 32.7%-20.8pp | 52.5%-40.6pp | 70.6%-58.7pp |
| Annual return | 16.18% | 19.01%-2.8pp | 1704.21%-1688.0pp | 31.21%-15.0pp |
| Employer contribution / active EE | $290 | $568-48.9% | $1,039-72.0% | $2,726-89.3% |
| Participant deferral / active EE | $404 | $1,061-61.9% | $1,953-79.3% | $4,648-91.3% |
| Admin fee / account holder | $542 | $1,046-48.2% | $2,829-80.9% | $430+25.8% |