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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 | $15,303 | $29,736-48.5% | $56,033-72.7% | $80,935-81.1% |
| Participation rate | 21.9% | 41.7%-19.8pp | 52.5%-30.6pp | 67.7%-45.8pp |
| Annual return | 16.51% | 35.28%-18.8pp | 1711.38%-1694.9pp | 35.66%-19.1pp |
| Employer contribution / active EE | $397 | $671-40.8% | $1,041-61.8% | $2,757-85.6% |
| Participant deferral / active EE | $1,262 | $1,228+2.7% | $1,954-35.4% | $4,299-70.6% |
| Admin fee / account holder | $2,408 | $2,434-1.0% | $2,827-14.8% | $6,924-65.2% |