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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 | $28,210 | $51,878-45.6% | $68,368-58.7% | $79,634-64.6% |
| Participation rate | 9.9% | 53.7%-43.8pp | 73.8%-63.8pp | 62.5%-52.6pp |
| Annual return | 13.86% | 137.43%-123.6pp | 292.57%-278.7pp | 36.46%-22.6pp |
| Employer contribution / active EE | $416 | $1,931-78.5% | $2,649-84.3% | $2,529-83.6% |
| Participant deferral / active EE | $0 | $2,577-100.0% | $4,123-100.0% | $3,835-100.0% |
| Admin fee / account holder | $2,512 | $942+166.6% | $5,150-51.2% | $1,002+150.7% |