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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 | $27,706 | $108,212-74.4% | $77,513-64.3% | $158,966-82.6% |
| Participation rate | 21.1% | 64.4%-43.4pp | 54.2%-33.1pp | 82.0%-60.9pp |
| Annual return | 13.37% | 31.67%-18.3pp | 54.81%-41.4pp | 302.95%-289.6pp |
| Employer contribution / active EE | $211 | $1,325-84.1% | $987-78.7% | $4,762-95.6% |
| Participant deferral / active EE | $2,660 | $2,455+8.3% | $1,861+42.9% | $5,983-55.5% |
| Admin fee / account holder | $9,564 | $3,709+157.9% | $2,859+234.5% | $11,250-15.0% |