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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 | $16,683 | $27,800-40.0% | $58,561-71.5% | $71,511-76.7% |
| Participation rate | 20.8% | 34.6%-13.8pp | 50.9%-30.1pp | 67.9%-47.2pp |
| Annual return | 18.32% | 26.80%-8.5pp | 4251.33%-4233.0pp | 28.86%-10.5pp |
| Employer contribution / active EE | $420 | $632-33.4% | $1,053-60.1% | $2,589-83.8% |
| Participant deferral / active EE | $693 | $1,208-42.6% | $1,923-63.9% | $4,291-83.8% |
| Admin fee / account holder | $415 | $1,637-74.6% | $2,520-83.5% | $1,588-73.9% |