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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 | $14,374 | $42,383-66.1% | $76,523-81.2% | $64,181-77.6% |
| Participation rate | 36.6% | 58.1%-21.6pp | 68.0%-31.4pp | 69.6%-33.0pp |
| Annual return | -7.56% | -16.54%+9.0pp | -0.27%-7.3pp | 7.63%-15.2pp |
| Employer contribution / active EE | $604 | $1,563-61.4% | $2,647-77.2% | $2,381-74.6% |
| Participant deferral / active EE | $965 | $2,566-62.4% | $3,835-74.8% | $3,470-72.2% |
| Admin fee / account holder | $4,191 | $3,198+31.1% | $4,848-13.6% | $4,887-14.2% |