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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 | $44,436 | $47,479-6.4% | $62,929-29.4% | $82,448-46.1% |
| Participation rate | 19.2% | 66.9%-47.6pp | 73.1%-53.9pp | 68.1%-48.8pp |
| Annual return | 20.63% | 20.34%+0.3pp | 1063.93%-1043.3pp | 41.64%-21.0pp |
| Employer contribution / active EE | $0 | $1,885-100.0% | $2,505-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $961 | $2,870-66.5% | $3,888-75.3% | $4,139-76.8% |
| Admin fee / account holder | $3,084 | $3,804-18.9% | $5,065-39.1% | $7,234-57.4% |