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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 | $16,285 | $47,944-66.0% | $67,834-76.0% | $62,881-74.1% |
| Participation rate | 48.8% | 61.1%-12.3pp | 68.8%-20.0pp | 69.3%-20.6pp |
| Annual return | 5.38% | 11.77%-6.4pp | 138.47%-133.1pp | 20.14%-14.8pp |
| Employer contribution / active EE | $576 | $1,562-63.1% | $2,403-76.0% | $2,281-74.7% |
| Participant deferral / active EE | $1,740 | $2,247-22.6% | $3,160-44.9% | $3,203-45.7% |
| Admin fee / account holder | $9,644 | $3,712+159.8% | $4,622+108.6% | $4,296+124.5% |