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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 | $12,360 | $30,732-59.8% | $59,496-79.2% | $59,633-79.3% |
| Participation rate | 64.2% | 43.2%+20.9pp | 54.6%+9.6pp | 68.7%-4.5pp |
| Annual return | -0.60% | 4.47%-5.1pp | 182.05%-182.6pp | 2041.40%-2042.0pp |
| Employer contribution / active EE | $248 | $631-60.7% | $1,153-78.5% | $2,203-88.7% |
| Participant deferral / active EE | $586 | $1,183-50.5% | $1,829-68.0% | $3,192-81.6% |
| Admin fee / account holder | $9,023 | $2,136+322.4% | $2,232+304.2% | $4,297+110.0% |