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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 | $26,288 | $30,732-14.5% | $59,496-55.8% | $59,633-55.9% |
| Participation rate | 18.8% | 43.2%-24.5pp | 54.6%-35.8pp | 68.7%-49.9pp |
| Annual return | -0.03% | 4.47%-4.5pp | 182.05%-182.1pp | 2041.45%-2041.5pp |
| Employer contribution / active EE | $183 | $631-71.0% | $1,153-84.1% | $2,203-91.7% |
| Participant deferral / active EE | $396 | $1,183-66.5% | $1,829-78.3% | $3,192-87.6% |
| Admin fee / account holder | $2,972 | $2,136+39.1% | $2,232+33.1% | $4,297-30.8% |