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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 | $43,694 | $52,961-17.5% | $172,752-74.7% | $65,185-33.0% |
| Participation rate | 28.7% | 66.2%-37.5pp | 82.6%-53.9pp | 70.2%-41.5pp |
| Annual return | 17.30% | 30.12%-12.8pp | 802.97%-785.7pp | 29.38%-12.1pp |
| Employer contribution / active EE | $317 | $2,190-85.5% | $5,144-93.8% | $2,177-85.5% |
| Participant deferral / active EE | $1,745 | $2,471-29.4% | $5,198-66.4% | $3,514-50.3% |
| Admin fee / account holder | $11,446 | $472+2325.2% | $13,955-18.0% | $847+1251.0% |