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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 | $3,627 | $67,823-94.7% | $52,425-93.1% | $137,256-97.4% |
| Participation rate | 44.4% | 63.9%-19.5pp | 55.6%-11.2pp | 80.0%-35.5pp |
| Annual return | 17.51% | 219.11%-201.6pp | 302.12%-284.6pp | 220.34%-202.8pp |
| Employer contribution / active EE | $446 | $1,163-61.6% | $914-51.2% | $4,156-89.3% |
| Participant deferral / active EE | $554 | $2,288-75.8% | $1,790-69.1% | $6,407-91.4% |
| Admin fee / account holder | $386 | $2,844-86.4% | $2,495-84.5% | $12,270-96.9% |