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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 | $19,119 | $111,830-82.9% | $93,696-79.6% | $145,884-86.9% |
| Participation rate | 46.7% | 74.2%-27.6pp | 68.7%-22.1pp | 80.3%-33.6pp |
| Annual return | 13.28% | 204.08%-190.8pp | 133.74%-120.5pp | 551.85%-538.6pp |
| Employer contribution / active EE | $1,013 | $3,093-67.2% | $2,422-58.2% | $4,662-78.3% |
| Participant deferral / active EE | $3,255 | $4,920-33.9% | $4,417-26.3% | $6,690-51.3% |
| Admin fee / account holder | $51,087 | $10,249+398.5% | $8,287+516.5% | $13,392+281.5% |