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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 | $20,368 | $29,507-31.0% | $56,025-63.6% | $77,762-73.8% |
| Participation rate | 10.9% | 32.7%-21.8pp | 52.5%-41.6pp | 70.6%-59.7pp |
| Annual return | 12.90% | 18.90%-6.0pp | 1712.69%-1699.8pp | 31.27%-18.4pp |
| Employer contribution / active EE | $178 | $570-68.8% | $1,042-82.9% | $2,728-93.5% |
| Participant deferral / active EE | $525 | $1,062-50.5% | $1,955-73.1% | $4,651-88.7% |
| Admin fee / account holder | $2,369 | $1,041+127.6% | $2,828-16.3% | $433+447.2% |