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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 | $16,800 | $30,421-44.8% | $56,077-70.0% | $74,429-77.4% |
| Participation rate | 10.0% | 32.9%-22.8pp | 52.5%-42.5pp | 67.2%-57.2pp |
| Annual return | 14.44% | 24.94%-10.5pp | 1709.28%-1694.8pp | 1368.38%-1353.9pp |
| Employer contribution / active EE | $196 | $610-67.9% | $1,040-81.2% | $2,625-92.5% |
| Participant deferral / active EE | $429 | $1,175-63.5% | $1,954-78.1% | $4,348-90.1% |
| Admin fee / account holder | $681 | $2,363-71.2% | $2,825-75.9% | $1,944-65.0% |