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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 | $29,736-19.2% | $56,033-57.1% | $80,935-70.3% |
| Participation rate | 17.3% | 41.7%-24.4pp | 52.5%-35.2pp | 67.7%-50.4pp |
| Annual return | 15.95% | 35.28%-19.3pp | 1711.38%-1695.4pp | 35.66%-19.7pp |
| Employer contribution / active EE | $290 | $671-56.7% | $1,041-72.1% | $2,757-89.5% |
| Participant deferral / active EE | $1,354 | $1,228+10.3% | $1,954-30.7% | $4,299-68.5% |
| Admin fee / account holder | $3,939 | $2,434+61.8% | $2,827+39.3% | $6,924-43.1% |