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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 | $14,735 | $29,569-50.2% | $56,077-73.7% | $77,714-81.0% |
| Participation rate | 4.7% | 32.6%-27.9pp | 52.5%-47.8pp | 70.6%-65.8pp |
| Annual return | 14.29% | 18.90%-4.6pp | 1709.28%-1695.0pp | 31.26%-17.0pp |
| Employer contribution / active EE | $114 | $569-80.0% | $1,040-89.1% | $2,727-95.8% |
| Participant deferral / active EE | $356 | $1,061-66.5% | $1,954-81.8% | $4,649-92.4% |
| Admin fee / account holder | $931 | $1,042-10.7% | $2,825-67.1% | $433+114.8% |