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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 | $8,047 | $29,716-72.9% | $56,077-85.6% | $80,925-90.1% |
| Participation rate | 12.5% | 41.7%-29.2pp | 52.5%-40.0pp | 67.7%-55.2pp |
| Annual return | 10.66% | 35.30%-24.6pp | 1709.28%-1698.6pp | 35.65%-25.0pp |
| Employer contribution / active EE | $98 | $671-85.4% | $1,040-90.6% | $2,756-96.5% |
| Participant deferral / active EE | $334 | $1,228-72.8% | $1,954-82.9% | $4,299-92.2% |
| Admin fee / account holder | $504 | $2,432-79.3% | $2,825-82.2% | $6,940-92.7% |