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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 | $32,245 | $107,030-69.9% | $73,550-56.2% | $147,586-78.2% |
| Participation rate | 31.6% | 66.4%-34.8pp | 54.9%-23.3pp | 82.8%-51.2pp |
| Annual return | 13.54% | 38.25%-24.7pp | -15.16%+28.7pp | 578.59%-565.0pp |
| Employer contribution / active EE | $164 | $1,760-90.7% | $1,219-86.6% | $4,876-96.6% |
| Participant deferral / active EE | $1,425 | $2,458-42.0% | $1,804-21.0% | $5,439-73.8% |
| Admin fee / account holder | $17,240 | $3,055+464.3% | $2,320+643.2% | $10,886+58.4% |