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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 | $25,466 | $39,766-36.0% | $66,674-61.8% | $71,012-64.1% |
| Participation rate | 18.0% | 47.7%-29.7pp | 73.7%-55.7pp | 58.6%-40.6pp |
| Annual return | 15.40% | 181.39%-166.0pp | 321.24%-305.8pp | 37.67%-22.3pp |
| Employer contribution / active EE | $408 | $1,503-72.9% | $2,620-84.4% | $2,348-82.6% |
| Participant deferral / active EE | $908 | $1,868-51.4% | $4,084-77.8% | $3,246-72.0% |
| Admin fee / account holder | $3,400 | $1,097+210.1% | $5,098-33.3% | $1,167+191.3% |