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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 | $14,561 | $29,733-51.0% | $56,025-74.0% | $80,959-82.0% |
| Participation rate | 14.3% | 41.7%-27.4pp | 52.5%-38.2pp | 67.7%-53.4pp |
| Annual return | 17.52% | 35.28%-17.8pp | 1712.69%-1695.2pp | 35.67%-18.2pp |
| Employer contribution / active EE | $256 | $672-61.9% | $1,042-75.4% | $2,757-90.7% |
| Participant deferral / active EE | $412 | $1,229-66.5% | $1,955-78.9% | $4,300-90.4% |
| Admin fee / account holder | $421 | $2,434-82.7% | $2,828-85.1% | $6,925-93.9% |