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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 | $19,703 | $41,150-52.1% | $80,607-75.6% | $71,495-72.4% |
| Participation rate | 16.4% | 50.3%-33.9pp | 67.0%-50.6pp | 67.9%-51.5pp |
| Annual return | 20.58% | 38.48%-17.9pp | 936.11%-915.5pp | 28.85%-8.3pp |
| Employer contribution / active EE | $743 | $1,515-51.0% | $2,724-72.7% | $2,589-71.3% |
| Participant deferral / active EE | $1,410 | $2,701-47.8% | $4,448-68.3% | $4,291-67.1% |
| Admin fee / account holder | $396 | $1,841-78.5% | $5,379-92.6% | $1,588-75.0% |