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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 | $18,810 | $30,437-38.2% | $56,033-66.4% | $74,459-74.7% |
| Participation rate | 13.7% | 32.9%-19.2pp | 52.5%-38.8pp | 67.2%-53.5pp |
| Annual return | 38.72% | 24.96%+13.8pp | 1711.38%-1672.7pp | 1369.70%-1331.0pp |
| Employer contribution / active EE | $0 | $610-100.0% | $1,041-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $437 | $1,176-62.8% | $1,954-77.6% | $4,350-90.0% |
| Admin fee / account holder | $10,032 | $2,363+324.5% | $2,827+254.9% | $1,945+415.9% |