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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 | $11,068 | $27,936-60.4% | $58,561-81.1% | $75,173-85.3% |
| Participation rate | 52.5% | 38.8%+13.7pp | 50.9%+1.7pp | 67.2%-14.7pp |
| Annual return | 19.91% | 44.21%-24.3pp | 4251.33%-4231.4pp | 160.72%-140.8pp |
| Employer contribution / active EE | $302 | $670-55.0% | $1,053-71.4% | $2,671-88.7% |
| Participant deferral / active EE | $1,004 | $1,202-16.5% | $1,923-47.8% | $4,126-75.7% |
| Admin fee / account holder | $750 | $1,727-56.6% | $2,520-70.3% | $5,651-86.7% |