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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 | $27,620 | $30,732-10.1% | $59,496-53.6% | $59,633-53.7% |
| Participation rate | 5.4% | 43.2%-37.8pp | 54.6%-49.2pp | 68.7%-63.3pp |
| Annual return | 0.87% | 4.47%-3.6pp | 182.05%-181.2pp | 2041.45%-2040.6pp |
| Employer contribution / active EE | $81 | $631-87.2% | $1,153-93.0% | $2,203-96.3% |
| Participant deferral / active EE | $641 | $1,183-45.8% | $1,829-64.9% | $3,192-79.9% |
| Admin fee / account holder | $791 | $2,136-63.0% | $2,232-64.6% | $4,297-81.6% |