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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 | $30,284 | $45,109-32.9% | $85,240-64.5% | $77,762-61.1% |
| Participation rate | 16.2% | 48.7%-32.4pp | 67.5%-51.3pp | 70.6%-54.4pp |
| Annual return | 14.36% | 79.55%-65.2pp | 66.75%-52.4pp | 31.27%-16.9pp |
| Employer contribution / active EE | $0 | $1,602-100.0% | $2,735-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $1,456 | $2,814-48.2% | $4,527-67.8% | $4,651-68.7% |
| Admin fee / account holder | $4,322 | $915+372.5% | $6,165-29.9% | $433+898.5% |