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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 | $22,266 | $29,507-24.5% | $56,025-60.3% | $77,762-71.4% |
| Participation rate | 13.6% | 32.7%-19.1pp | 52.5%-38.9pp | 70.6%-57.0pp |
| Annual return | 13.30% | 18.90%-5.6pp | 1712.69%-1699.4pp | 31.27%-18.0pp |
| Employer contribution / active EE | $101 | $570-82.4% | $1,042-90.3% | $2,728-96.3% |
| Participant deferral / active EE | $830 | $1,062-21.8% | $1,955-57.5% | $4,651-82.1% |
| Admin fee / account holder | $3,117 | $1,041+199.5% | $2,828+10.2% | $433+620.0% |