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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 | $28,624-18.4% | $53,647-56.4% | $82,637-71.7% |
| Participation rate | 15.9% | 47.3%-31.4pp | 56.3%-40.4pp | 68.1%-52.1pp |
| Annual return | 15.59% | 664.98%-649.4pp | 358.33%-342.7pp | 53.51%-37.9pp |
| Employer contribution / active EE | $517 | $637-18.9% | $962-46.3% | $2,552-79.8% |
| Participant deferral / active EE | $622 | $1,196-48.0% | $1,813-65.7% | $4,126-84.9% |
| Admin fee / account holder | $2,803 | $2,022+38.6% | $2,460+13.9% | $7,339-61.8% |