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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 | $32,979 | $107,030-69.2% | $73,550-55.2% | $147,586-77.7% |
| Participation rate | 38.9% | 66.4%-27.5pp | 54.9%-16.0pp | 82.8%-43.9pp |
| Annual return | 16.03% | 38.25%-22.2pp | -15.16%+31.2pp | 578.59%-562.6pp |
| Employer contribution / active EE | $0 | $1,760-100.0% | $1,219-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $1,389 | $2,458-43.5% | $1,804-23.0% | $5,439-74.5% |
| Admin fee / account holder | $14,927 | $3,055+388.6% | $2,320+543.5% | $10,886+37.1% |