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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 | $21,276 | $30,421-30.1% | $56,077-62.1% | $74,429-71.4% |
| Participation rate | 17.6% | 32.9%-15.2pp | 52.5%-34.9pp | 67.2%-49.6pp |
| Annual return | 13.06% | 24.94%-11.9pp | 1709.28%-1696.2pp | 1368.38%-1355.3pp |
| Employer contribution / active EE | $405 | $610-33.6% | $1,040-61.1% | $2,625-84.6% |
| Participant deferral / active EE | $691 | $1,175-41.2% | $1,954-64.6% | $4,348-84.1% |
| Admin fee / account holder | $2,799 | $2,363+18.4% | $2,825-0.9% | $1,944+43.9% |