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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 | $19,087 | $27,632-30.9% | $61,399-68.9% | $68,495-72.1% |
| Participation rate | 7.5% | 39.5%-32.0pp | 52.6%-45.1pp | 67.9%-60.4pp |
| Annual return | 53.05% | -13.24%+66.3pp | 338.81%-285.8pp | -7.84%+60.9pp |
| Employer contribution / active EE | $254 | $696-63.5% | $1,159-78.1% | $2,596-90.2% |
| Participant deferral / active EE | $680 | $1,264-46.2% | $2,124-68.0% | $4,028-83.1% |
| Admin fee / account holder | $4,627 | $2,010+130.2% | $2,131+117.2% | $5,403-14.4% |