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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 | $21,846 | $29,733-26.5% | $56,025-61.0% | $80,959-73.0% |
| Participation rate | 15.2% | 41.7%-26.6pp | 52.5%-37.4pp | 67.7%-52.5pp |
| Annual return | 16.65% | 35.28%-18.6pp | 1712.69%-1696.0pp | 35.67%-19.0pp |
| Employer contribution / active EE | $331 | $672-50.8% | $1,042-68.3% | $2,757-88.0% |
| Participant deferral / active EE | $905 | $1,229-26.4% | $1,955-53.7% | $4,300-79.0% |
| Admin fee / account holder | $1,538 | $2,434-36.8% | $2,828-45.6% | $6,925-77.8% |