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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 | $37,281 | $44,103-15.5% | $75,826-50.8% | $64,173-41.9% |
| Participation rate | 42.4% | 62.7%-20.3pp | 68.2%-25.8pp | 69.6%-27.1pp |
| Annual return | 49.93% | -4.72%+54.6pp | 1914.15%-1864.2pp | 7.63%+42.3pp |
| Employer contribution / active EE | $301 | $1,446-79.2% | $1,913-84.2% | $2,381-87.3% |
| Participant deferral / active EE | $1,205 | $2,204-45.3% | $2,862-57.9% | $3,470-65.3% |
| Admin fee / account holder | $872 | $3,506-75.1% | $4,726-81.6% | $4,887-82.2% |