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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 | $30,132 | $54,558-44.8% | $76,002-60.4% | $74,546-59.6% |
| Participation rate | 53.7% | 60.3%-6.6pp | 69.1%-15.4pp | 67.2%-13.5pp |
| Annual return | 13.27% | 31.83%-18.6pp | 360.07%-346.8pp | 1366.03%-1352.8pp |
| Employer contribution / active EE | $994 | $1,778-44.1% | $2,688-63.0% | $2,624-62.1% |
| Participant deferral / active EE | $2,154 | $3,065-29.7% | $4,257-49.4% | $4,347-50.5% |
| Admin fee / account holder | $4,372 | $2,232+95.9% | $6,414-31.8% | $1,944+124.9% |