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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 | $39,621 | $61,815-35.9% | $97,295-59.3% | $80,959-51.1% |
| Participation rate | 2.8% | 63.5%-60.7pp | 72.7%-69.9pp | 67.7%-64.9pp |
| Annual return | 16.84% | -558.73%+575.6pp | 75.62%-58.8pp | 35.67%-18.8pp |
| Employer contribution / active EE | $452 | $1,836-75.4% | $2,723-83.4% | $2,757-83.6% |
| Participant deferral / active EE | $4,173 | $3,027+37.8% | $4,264-2.1% | $4,300-3.0% |
| Admin fee / account holder | $21,289 | $5,166+312.1% | $5,646+277.0% | $6,925+207.4% |