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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 | $14,474 | $29,733-51.3% | $56,025-74.2% | $80,959-82.1% |
| Participation rate | 7.2% | 41.7%-34.5pp | 52.5%-45.3pp | 67.7%-60.4pp |
| Annual return | 11.60% | 35.28%-23.7pp | 1712.69%-1701.1pp | 35.67%-24.1pp |
| Employer contribution / active EE | $142 | $672-78.9% | $1,042-86.4% | $2,757-94.9% |
| Participant deferral / active EE | $293 | $1,229-76.1% | $1,955-85.0% | $4,300-93.2% |
| Admin fee / account holder | $10,096 | $2,434+314.9% | $2,828+257.0% | $6,925+45.8% |