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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 | $29,010 | $58,311-50.2% | $81,882-64.6% | $80,959-64.2% |
| Participation rate | 60.7% | 63.5%-2.8pp | 72.4%-11.7pp | 67.7%-7.0pp |
| Annual return | 11.08% | 41.85%-30.8pp | 779.47%-768.4pp | 35.67%-24.6pp |
| Employer contribution / active EE | $1,632 | $2,347-30.5% | $2,916-44.0% | $2,757-40.8% |
| Participant deferral / active EE | $2,442 | $3,287-25.7% | $4,323-43.5% | $4,300-43.2% |
| Admin fee / account holder | $88,855 | $4,752+1769.8% | $7,360+1107.3% | $6,925+1183.0% |