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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 | $29,667-51.2% | $56,441-74.4% | $80,874-82.1% |
| Participation rate | 7.2% | 41.7%-34.4pp | 52.5%-45.2pp | 67.6%-60.4pp |
| Annual return | 11.60% | 35.22%-23.6pp | 1704.21%-1692.6pp | 35.62%-24.0pp |
| Employer contribution / active EE | $142 | $669-78.8% | $1,039-86.4% | $2,756-94.9% |
| Participant deferral / active EE | $293 | $1,227-76.1% | $1,953-85.0% | $4,297-93.2% |
| Admin fee / account holder | $10,096 | $2,429+315.6% | $2,829+256.9% | $6,935+45.6% |