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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 | $2,081 | $27,936-92.6% | $58,561-96.4% | $75,173-97.2% |
| Participation rate | 53.6% | 38.8%+14.7pp | 50.9%+2.7pp | 67.2%-13.6pp |
| Annual return | 30.96% | 44.21%-13.3pp | 4251.33%-4220.4pp | 160.72%-129.8pp |
| Employer contribution / active EE | $338 | $670-49.6% | $1,053-68.0% | $2,671-87.4% |
| Participant deferral / active EE | $347 | $1,202-71.1% | $1,923-82.0% | $4,126-91.6% |
| Admin fee / account holder | $3,097 | $1,727+79.3% | $2,520+22.9% | $5,651-45.2% |