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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 | $21,982 | $29,525-25.5% | $56,033-60.8% | $77,736-71.7% |
| Participation rate | 17.2% | 32.7%-15.5pp | 52.5%-35.3pp | 70.6%-53.4pp |
| Annual return | 14.36% | 18.90%-4.5pp | 1711.38%-1697.0pp | 31.26%-16.9pp |
| Employer contribution / active EE | $96 | $569-83.1% | $1,041-90.7% | $2,728-96.5% |
| Participant deferral / active EE | $319 | $1,062-69.9% | $1,954-83.7% | $4,651-93.1% |
| Admin fee / account holder | $1,143 | $1,040+9.9% | $2,827-59.6% | $433+163.8% |