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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 | $34,775 | $49,897-30.3% | $80,648-56.9% | $75,177-53.7% |
| Participation rate | 35.7% | 55.3%-19.6pp | 67.0%-31.3pp | 67.2%-31.5pp |
| Annual return | 26.86% | 34.68%-7.8pp | 937.21%-910.4pp | 160.75%-133.9pp |
| Employer contribution / active EE | $487 | $1,699-71.3% | $2,724-82.1% | $2,671-81.8% |
| Participant deferral / active EE | $1,321 | $2,992-55.8% | $4,443-70.3% | $4,126-68.0% |
| Admin fee / account holder | $885 | $3,579-75.3% | $5,382-83.6% | $5,651-84.3% |