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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 | $31,991 | $59,402-46.1% | $93,654-65.8% | $74,546-57.1% |
| Participation rate | 40.4% | 59.7%-19.3pp | 68.7%-28.3pp | 67.2%-26.8pp |
| Annual return | 12.43% | 81.86%-69.4pp | 133.34%-120.9pp | 1366.03%-1353.6pp |
| Employer contribution / active EE | $1,149 | $1,265-9.1% | $2,421-52.5% | $2,624-56.2% |
| Participant deferral / active EE | $1,904 | $3,049-37.5% | $4,413-56.9% | $4,347-56.2% |
| Admin fee / account holder | $9,288 | $3,023+207.3% | $8,282+12.1% | $1,944+377.9% |