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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 | $29,670-84.1% | $56,054-91.6% | $80,911-94.2% |
| Participation rate | 26.8% | 41.7%-14.8pp | 52.5%-25.7pp | 67.6%-40.8pp |
| Annual return | 13.26% | 35.24%-22.0pp | 1705.95%-1692.7pp | 35.63%-22.4pp |
| Employer contribution / active EE | $191 | $670-71.5% | $1,039-81.6% | $2,756-93.1% |
| Participant deferral / active EE | $288 | $1,227-76.5% | $1,952-85.2% | $4,297-93.3% |
| Admin fee / account holder | $417 | $2,431-82.9% | $2,822-85.2% | $6,935-94.0% |