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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 | $16,697 | $45,109-63.0% | $85,187-80.4% | $77,736-78.5% |
| Participation rate | 15.2% | 48.7%-33.5pp | 67.5%-52.4pp | 70.6%-55.4pp |
| Annual return | 15.42% | 79.55%-64.1pp | 66.67%-51.2pp | 31.26%-15.8pp |
| Employer contribution / active EE | $386 | $1,602-75.9% | $2,732-85.9% | $2,728-85.9% |
| Participant deferral / active EE | $838 | $2,814-70.2% | $4,525-81.5% | $4,651-82.0% |
| Admin fee / account holder | $1,419 | $915+55.1% | $6,162-77.0% | $433+227.6% |