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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 | $12,986 | $37,440-65.3% | $77,081-83.2% | $66,930-80.6% |
| Participation rate | 39.0% | 52.9%-13.9pp | 67.9%-28.9pp | 69.8%-30.8pp |
| Annual return | 13.98% | -3.26%+17.2pp | 42.33%-28.3pp | 1.57%+12.4pp |
| Employer contribution / active EE | $1,248 | $1,534-18.7% | $2,813-55.7% | $2,545-51.0% |
| Participant deferral / active EE | $2,144 | $2,620-18.1% | $4,428-51.6% | $4,238-49.4% |
| Admin fee / account holder | $1,784 | $568+214.2% | $5,427-67.1% | $593+200.6% |