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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 | $20,056 | $49,897-59.8% | $80,648-75.1% | $75,177-73.3% |
| Participation rate | 18.5% | 55.3%-36.8pp | 67.0%-48.5pp | 67.2%-48.7pp |
| Annual return | 14.52% | 34.68%-20.2pp | 937.21%-922.7pp | 160.75%-146.2pp |
| Employer contribution / active EE | $550 | $1,699-67.6% | $2,724-79.8% | $2,671-79.4% |
| Participant deferral / active EE | $972 | $2,992-67.5% | $4,443-78.1% | $4,126-76.4% |
| Admin fee / account holder | $2,879 | $3,579-19.5% | $5,382-46.5% | $5,651-49.1% |