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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 | $7,405 | $30,732-75.9% | $59,496-87.6% | $59,633-87.6% |
| Participation rate | 29.1% | 43.2%-14.1pp | 54.6%-25.5pp | 68.7%-39.6pp |
| Annual return | -2.98% | 4.47%-7.4pp | 182.05%-185.0pp | 2041.40%-2044.4pp |
| Employer contribution / active EE | $894 | $631+41.7% | $1,153-22.5% | $2,203-59.4% |
| Participant deferral / active EE | $1,332 | $1,183+12.6% | $1,829-27.2% | $3,192-58.3% |
| Admin fee / account holder | $9,871 | $2,136+362.1% | $2,232+342.2% | $4,297+129.7% |