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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 | $24,085 | $73,848-67.4% | $143,799-83.3% | $68,486-64.8% |
| Participation rate | 43.2% | 66.7%-23.4pp | 80.3%-37.1pp | 67.9%-24.7pp |
| Annual return | -17.47% | 0.91%-18.4pp | -0.04%-17.4pp | -7.85%-9.6pp |
| Employer contribution / active EE | $496 | $3,184-84.4% | $4,952-90.0% | $2,597-80.9% |
| Participant deferral / active EE | $1,637 | $3,385-51.6% | $5,638-71.0% | $4,028-59.4% |
| Admin fee / account holder | $10,259 | $5,755+78.3% | $14,677-30.1% | $5,404+89.9% |