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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 | $28,139 | $49,280-42.9% | $67,313-58.2% | $64,173-56.2% |
| Participation rate | 44.0% | 60.8%-16.8pp | 69.1%-25.1pp | 69.6%-25.6pp |
| Annual return | -3.95% | -1.39%-2.6pp | -4.08%+0.1pp | 7.63%-11.6pp |
| Employer contribution / active EE | $430 | $1,668-74.2% | $2,566-83.3% | $2,381-82.0% |
| Participant deferral / active EE | $1,823 | $2,484-26.6% | $3,568-48.9% | $3,470-47.5% |
| Admin fee / account holder | $3,690 | $3,863-4.5% | $4,507-18.1% | $4,887-24.5% |