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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 | $25,276 | $73,863-65.8% | $143,797-82.4% | $68,490-63.1% |
| Participation rate | 28.8% | 66.7%-37.9pp | 80.3%-51.5pp | 67.9%-39.1pp |
| Annual return | -17.49% | 0.91%-18.4pp | -0.04%-17.4pp | -7.85%-9.6pp |
| Employer contribution / active EE | $520 | $3,185-83.7% | $4,952-89.5% | $2,597-80.0% |
| Participant deferral / active EE | $1,040 | $3,385-69.3% | $5,638-81.6% | $4,028-74.2% |
| Admin fee / account holder | $7,716 | $5,756+34.1% | $14,679-47.4% | $5,403+42.8% |