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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 | $29,733-91.3% | $56,025-95.4% | $80,959-96.8% |
| Participation rate | 17.8% | 41.7%-23.9pp | 52.5%-34.7pp | 67.7%-49.9pp |
| Annual return | 18.37% | 35.28%-16.9pp | 1712.69%-1694.3pp | 35.67%-17.3pp |
| Employer contribution / active EE | $310 | $672-53.8% | $1,042-70.2% | $2,757-88.7% |
| Participant deferral / active EE | $612 | $1,229-50.2% | $1,955-68.7% | $4,300-85.8% |
| Admin fee / account holder | $2,626 | $2,434+7.9% | $2,828-7.2% | $6,925-62.1% |