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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 | $24,023 | $29,716-19.2% | $56,077-57.2% | $80,925-70.3% |
| Participation rate | 17.3% | 41.7%-24.4pp | 52.5%-35.2pp | 67.7%-50.4pp |
| Annual return | 15.95% | 35.30%-19.3pp | 1709.28%-1693.3pp | 35.65%-19.7pp |
| Employer contribution / active EE | $290 | $671-56.7% | $1,040-72.1% | $2,756-89.5% |
| Participant deferral / active EE | $1,354 | $1,228+10.3% | $1,954-30.7% | $4,299-68.5% |
| Admin fee / account holder | $3,939 | $2,432+62.0% | $2,825+39.4% | $6,940-43.2% |