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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 | $9,198 | $67,823-86.4% | $52,425-82.5% | $137,256-93.3% |
| Participation rate | 28.6% | 63.9%-35.3pp | 55.6%-27.1pp | 80.0%-51.4pp |
| Annual return | 14.61% | 219.11%-204.5pp | 302.12%-287.5pp | 220.34%-205.7pp |
| Employer contribution / active EE | $182 | $1,163-84.3% | $914-80.1% | $4,156-95.6% |
| Participant deferral / active EE | $2,126 | $2,288-7.1% | $1,790+18.7% | $6,407-66.8% |
| Admin fee / account holder | $16,058 | $2,844+464.6% | $2,495+543.6% | $12,270+30.9% |