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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 | $28,789 | $91,537-68.5% | $130,045-77.9% | $75,173-61.7% |
| Participation rate | 44.6% | 71.5%-26.8pp | 78.5%-33.9pp | 67.2%-22.6pp |
| Annual return | 16.22% | -631.55%+647.8pp | -137.30%+153.5pp | 160.72%-144.5pp |
| Employer contribution / active EE | $1,239 | $2,845-56.4% | $4,321-71.3% | $2,671-53.6% |
| Participant deferral / active EE | $3,158 | $4,343-27.3% | $5,820-45.7% | $4,126-23.5% |
| Admin fee / account holder | $7,989 | $6,780+17.8% | $10,600-24.6% | $5,651+41.4% |