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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 | $29,569-43.9% | $56,077-70.4% | $77,714-78.7% |
| Participation rate | 11.9% | 32.6%-20.8pp | 52.5%-40.6pp | 70.6%-58.7pp |
| Annual return | 16.18% | 18.90%-2.7pp | 1709.28%-1693.1pp | 31.26%-15.1pp |
| Employer contribution / active EE | $290 | $569-48.9% | $1,040-72.1% | $2,727-89.3% |
| Participant deferral / active EE | $404 | $1,061-61.9% | $1,954-79.3% | $4,649-91.3% |
| Admin fee / account holder | $542 | $1,042-48.0% | $2,825-80.8% | $433+25.0% |