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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 | $23,184 | $54,717-57.6% | $86,216-73.1% | $71,511-67.6% |
| Participation rate | 45.5% | 60.1%-14.6pp | 69.0%-23.4pp | 67.9%-22.4pp |
| Annual return | 18.09% | 20.07%-2.0pp | 1169.42%-1151.3pp | 28.86%-10.8pp |
| Employer contribution / active EE | $396 | $1,267-68.7% | $2,382-83.4% | $2,589-84.7% |
| Participant deferral / active EE | $3,076 | $3,110-1.1% | $3,986-22.8% | $4,291-28.3% |
| Admin fee / account holder | $2,941 | $1,922+53.0% | $6,853-57.1% | $1,588+85.1% |