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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 | $11,692 | $29,736-60.7% | $56,033-79.1% | $80,935-85.6% |
| Participation rate | 21.4% | 41.7%-20.3pp | 52.5%-31.1pp | 67.7%-46.2pp |
| Annual return | 24.45% | 35.28%-10.8pp | 1711.38%-1686.9pp | 35.66%-11.2pp |
| Employer contribution / active EE | $682 | $671+1.5% | $1,041-34.5% | $2,757-75.3% |
| Participant deferral / active EE | $708 | $1,228-42.4% | $1,954-63.8% | $4,299-83.5% |
| Admin fee / account holder | $1,171 | $2,434-51.9% | $2,827-58.6% | $6,924-83.1% |