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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 | $22,079 | $90,607-75.6% | $79,467-72.2% | $135,380-83.7% |
| Participation rate | 27.3% | 76.0%-48.8pp | 73.3%-46.1pp | 82.6%-55.4pp |
| Annual return | -2.21% | 977.74%-979.9pp | 718.30%-720.5pp | 519.81%-522.0pp |
| Employer contribution / active EE | $1,601 | $3,068-47.8% | $2,800-42.8% | $4,779-66.5% |
| Participant deferral / active EE | $683 | $4,050-83.1% | $3,704-81.6% | $5,609-87.8% |
| Admin fee / account holder | $22,943 | $5,895+289.2% | $5,104+349.5% | $10,828+111.9% |