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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 | $23,037 | $29,670-22.4% | $56,054-58.9% | $80,911-71.5% |
| Participation rate | 23.8% | 41.7%-17.9pp | 52.5%-28.7pp | 67.6%-43.8pp |
| Annual return | 14.73% | 35.24%-20.5pp | 1705.95%-1691.2pp | 35.63%-20.9pp |
| Employer contribution / active EE | $311 | $670-53.6% | $1,039-70.1% | $2,756-88.7% |
| Participant deferral / active EE | $1,057 | $1,227-13.9% | $1,952-45.9% | $4,297-75.4% |
| Admin fee / account holder | $659 | $2,431-72.9% | $2,822-76.6% | $6,935-90.5% |