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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 | $15,760 | $29,051-45.8% | $52,425-69.9% | $67,986-76.8% |
| Participation rate | 11.4% | 30.4%-19.1pp | 55.6%-44.2pp | 57.2%-45.8pp |
| Annual return | 16.79% | 24.00%-7.2pp | 302.12%-285.3pp | 31.67%-14.9pp |
| Employer contribution / active EE | $215 | $412-47.7% | $914-76.5% | $2,019-89.3% |
| Participant deferral / active EE | $273 | $873-68.8% | $1,790-84.8% | $3,358-91.9% |
| Admin fee / account holder | $4,303 | $2,113+103.7% | $2,495+72.5% | $3,203+34.3% |