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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 | $39,837 | $40,435-1.5% | $80,627-50.6% | $74,460-46.5% |
| Participation rate | 14.6% | 47.4%-32.8pp | 67.0%-52.4pp | 70.7%-56.1pp |
| Annual return | 20.69% | 165.19%-144.5pp | 936.76%-916.1pp | 34.38%-13.7pp |
| Employer contribution / active EE | $472 | $1,498-68.5% | $2,723-82.7% | $2,638-82.1% |
| Participant deferral / active EE | $1,223 | $2,673-54.3% | $4,443-72.5% | $4,530-73.0% |
| Admin fee / account holder | $3,116 | $721+332.3% | $5,381-42.1% | $348+795.8% |