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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 | $29,569-31.1% | $56,077-63.7% | $77,714-73.8% |
| Participation rate | 10.9% | 32.6%-21.7pp | 52.5%-41.6pp | 70.6%-59.6pp |
| Annual return | 12.90% | 18.90%-6.0pp | 1709.28%-1696.4pp | 31.26%-18.4pp |
| Employer contribution / active EE | $178 | $569-68.7% | $1,040-82.9% | $2,727-93.5% |
| Participant deferral / active EE | $525 | $1,061-50.5% | $1,954-73.1% | $4,649-88.7% |
| Admin fee / account holder | $2,369 | $1,042+127.3% | $2,825-16.1% | $433+446.7% |