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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 | $31,163 | $45,109-30.9% | $85,240-63.4% | $77,762-59.9% |
| Participation rate | 12.2% | 48.7%-36.5pp | 67.5%-55.3pp | 70.6%-58.4pp |
| Annual return | 14.23% | 79.55%-65.3pp | 66.75%-52.5pp | 31.27%-17.0pp |
| Employer contribution / active EE | $0 | $1,602-100.0% | $2,735-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $617 | $2,814-78.1% | $4,527-86.4% | $4,651-86.7% |
| Admin fee / account holder | $17,739 | $915+1838.9% | $6,165+187.7% | $433+3997.8% |