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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 | $12,685 | $34,316-63.0% | $74,723-83.0% | $72,976-82.6% |
| Participation rate | 29.3% | 42.4%-13.1pp | 54.5%-25.2pp | 69.5%-40.2pp |
| Annual return | 21.80% | 26.58%-4.8pp | 753.18%-731.4pp | 81.02%-59.2pp |
| Employer contribution / active EE | $581 | $692-16.1% | $1,084-46.5% | $2,440-76.2% |
| Participant deferral / active EE | $751 | $1,272-40.9% | $1,962-61.7% | $3,608-79.2% |
| Admin fee / account holder | $1,355 | $2,125-36.2% | $3,335-59.4% | $5,124-73.6% |