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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 | $24,660 | $28,624-13.8% | $53,647-54.0% | $82,637-70.2% |
| Participation rate | 22.4% | 47.3%-24.8pp | 56.3%-33.8pp | 68.1%-45.6pp |
| Annual return | 16.36% | 664.98%-648.6pp | 358.33%-342.0pp | 53.51%-37.1pp |
| Employer contribution / active EE | $239 | $637-62.4% | $962-75.1% | $2,552-90.6% |
| Participant deferral / active EE | $441 | $1,196-63.2% | $1,813-75.7% | $4,126-89.3% |
| Admin fee / account holder | $4,247 | $2,022+110.1% | $2,460+72.6% | $7,339-42.1% |