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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 | $2,577 | $29,716-91.3% | $56,077-95.4% | $80,925-96.8% |
| Participation rate | 17.8% | 41.7%-23.9pp | 52.5%-34.7pp | 67.7%-49.9pp |
| Annual return | 18.37% | 35.30%-16.9pp | 1709.28%-1690.9pp | 35.65%-17.3pp |
| Employer contribution / active EE | $310 | $671-53.7% | $1,040-70.2% | $2,756-88.7% |
| Participant deferral / active EE | $612 | $1,228-50.2% | $1,954-68.7% | $4,299-85.8% |
| Admin fee / account holder | $2,626 | $2,432+8.0% | $2,825-7.0% | $6,940-62.2% |