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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 | $23,366 | $29,319-20.3% | $52,425-55.4% | $82,448-71.7% |
| Participation rate | 15.9% | 46.9%-30.9pp | 55.6%-39.7pp | 68.1%-52.2pp |
| Annual return | 15.59% | 535.20%-519.6pp | 302.12%-286.5pp | 41.64%-26.1pp |
| Employer contribution / active EE | $517 | $586-11.9% | $914-43.5% | $2,551-79.7% |
| Participant deferral / active EE | $622 | $1,171-46.9% | $1,790-65.2% | $4,139-85.0% |
| Admin fee / account holder | $2,803 | $1,962+42.8% | $2,495+12.3% | $7,234-61.3% |