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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 | $45,022-32.7% | $85,126-64.4% | $77,714-61.0% |
| Participation rate | 16.2% | 48.7%-32.4pp | 67.5%-51.3pp | 70.6%-54.3pp |
| Annual return | 14.36% | 79.38%-65.0pp | 66.63%-52.3pp | 31.26%-16.9pp |
| Employer contribution / active EE | $0 | $1,610-100.0% | $2,731-100.0% | $2,727-100.0% |
| Participant deferral / active EE | $1,456 | $2,811-48.2% | $4,523-67.8% | $4,649-68.7% |
| Admin fee / account holder | $4,322 | $913+373.4% | $6,160-29.8% | $433+897.6% |