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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 | $12,010 | $42,383-71.7% | $76,518-84.3% | $64,173-81.3% |
| Participation rate | 31.9% | 58.1%-26.3pp | 68.0%-36.1pp | 69.6%-37.7pp |
| Annual return | -2.75% | -16.54%+13.8pp | -0.27%-2.5pp | 7.63%-10.4pp |
| Employer contribution / active EE | $518 | $1,563-66.9% | $2,647-80.4% | $2,381-78.3% |
| Participant deferral / active EE | $1,176 | $2,566-54.2% | $3,836-69.3% | $3,470-66.1% |
| Admin fee / account holder | $1,205 | $3,198-62.3% | $4,849-75.2% | $4,887-75.4% |