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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 | $38,629 | $49,897-22.6% | $80,648-52.1% | $75,177-48.6% |
| Participation rate | 23.5% | 55.3%-31.8pp | 67.0%-43.5pp | 67.2%-43.7pp |
| Annual return | 24.57% | 34.68%-10.1pp | 937.21%-912.6pp | 160.75%-136.2pp |
| Employer contribution / active EE | $1,331 | $1,699-21.7% | $2,724-51.1% | $2,671-50.2% |
| Participant deferral / active EE | $2,642 | $2,992-11.7% | $4,443-40.5% | $4,126-36.0% |
| Admin fee / account holder | $6,582 | $3,579+83.9% | $5,382+22.3% | $5,651+16.5% |