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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 | $16,016 | $29,716-46.1% | $56,077-71.4% | $80,925-80.2% |
| Participation rate | 34.1% | 41.7%-7.6pp | 52.5%-18.4pp | 67.7%-33.5pp |
| Annual return | 10.71% | 35.30%-24.6pp | 1709.28%-1698.6pp | 35.65%-24.9pp |
| Employer contribution / active EE | $434 | $671-35.3% | $1,040-58.3% | $2,756-84.2% |
| Participant deferral / active EE | $1,653 | $1,228+34.5% | $1,954-15.4% | $4,299-61.5% |
| Admin fee / account holder | $2,565 | $2,432+5.5% | $2,825-9.2% | $6,940-63.0% |