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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 | $19,387 | $46,534-58.3% | $64,097-69.8% | $75,177-74.2% |
| Participation rate | 38.6% | 65.9%-27.4pp | 72.3%-33.8pp | 67.2%-28.7pp |
| Annual return | 13.66% | 26.07%-12.4pp | 33.75%-20.1pp | 160.75%-147.1pp |
| Employer contribution / active EE | $0 | $1,976-100.0% | $2,750-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,438 | $2,835-49.3% | $3,881-62.9% | $4,126-65.1% |
| Admin fee / account holder | $5,517 | $2,957+86.6% | $3,070+79.7% | $5,651-2.4% |