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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 | $28,571 | $59,467-52.0% | $93,727-69.5% | $74,478-61.6% |
| Participation rate | 38.7% | 59.6%-20.9pp | 68.7%-30.0pp | 67.2%-28.5pp |
| Annual return | 70.75% | 82.14%-11.4pp | 133.83%-63.1pp | 1370.56%-1299.8pp |
| Employer contribution / active EE | $1,227 | $1,267-3.1% | $2,421-49.3% | $2,626-53.3% |
| Participant deferral / active EE | $2,255 | $3,052-26.1% | $4,417-49.0% | $4,350-48.2% |
| Admin fee / account holder | $5,378 | $3,028+77.6% | $8,292-35.1% | $1,946+176.4% |