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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 | $59,448-46.2% | $93,696-65.9% | $74,459-57.0% |
| Participation rate | 40.4% | 59.6%-19.2pp | 68.7%-28.3pp | 67.2%-26.8pp |
| Annual return | 12.43% | 82.11%-69.7pp | 133.74%-121.3pp | 1369.70%-1357.3pp |
| Employer contribution / active EE | $1,149 | $1,266-9.3% | $2,422-52.6% | $2,626-56.2% |
| Participant deferral / active EE | $1,904 | $3,052-37.6% | $4,417-56.9% | $4,350-56.2% |
| Admin fee / account holder | $9,288 | $3,027+206.8% | $8,287+12.1% | $1,945+377.6% |