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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 | $4,708 | $29,733-84.2% | $56,025-91.6% | $80,959-94.2% |
| Participation rate | 26.8% | 41.7%-14.9pp | 52.5%-25.7pp | 67.7%-40.8pp |
| Annual return | 13.26% | 35.28%-22.0pp | 1712.69%-1699.4pp | 35.67%-22.4pp |
| Employer contribution / active EE | $191 | $672-71.6% | $1,042-81.7% | $2,757-93.1% |
| Participant deferral / active EE | $288 | $1,229-76.5% | $1,955-85.2% | $4,300-93.3% |
| Admin fee / account holder | $417 | $2,434-82.9% | $2,828-85.3% | $6,925-94.0% |