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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 | $33,639 | $52,967-36.5% | $172,753-80.5% | $65,186-48.4% |
| Participation rate | 27.4% | 66.2%-38.8pp | 82.6%-55.3pp | 70.2%-42.8pp |
| Annual return | 17.15% | 30.12%-13.0pp | 803.00%-785.9pp | 29.39%-12.2pp |
| Employer contribution / active EE | $0 | $2,190-100.0% | $5,144-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $1,093 | $2,471-55.8% | $5,198-79.0% | $3,514-68.9% |
| Admin fee / account holder | $10,862 | $472+2201.2% | $13,956-22.2% | $847+1182.1% |