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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 | $23,423 | $29,736-21.2% | $56,033-58.2% | $80,935-71.1% |
| Participation rate | 12.8% | 41.7%-28.9pp | 52.5%-39.7pp | 67.7%-54.9pp |
| Annual return | 15.23% | 35.28%-20.0pp | 1711.38%-1696.1pp | 35.66%-20.4pp |
| Employer contribution / active EE | $509 | $671-24.2% | $1,041-51.1% | $2,757-81.5% |
| Participant deferral / active EE | $1,078 | $1,228-12.2% | $1,954-44.8% | $4,299-74.9% |
| Admin fee / account holder | $461 | $2,434-81.1% | $2,827-83.7% | $6,924-93.3% |