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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 | $28,475 | $41,151-30.8% | $80,648-64.7% | $71,529-60.2% |
| Participation rate | 14.1% | 50.2%-36.1pp | 67.0%-52.9pp | 67.9%-53.8pp |
| Annual return | 38.76% | 38.49%+0.3pp | 937.21%-898.5pp | 28.97%+9.8pp |
| Employer contribution / active EE | $359 | $1,513-76.3% | $2,724-86.8% | $2,590-86.1% |
| Participant deferral / active EE | $759 | $2,700-71.9% | $4,443-82.9% | $4,291-82.3% |
| Admin fee / account holder | $5,758 | $1,842+212.5% | $5,382+7.0% | $1,588+262.5% |