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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 | $24,986 | $43,550-42.6% | $63,244-60.5% | $52,331-52.3% |
| Participation rate | 47.1% | 65.7%-18.6pp | 71.0%-24.0pp | 68.1%-21.0pp |
| Annual return | -0.19% | 2.03%-2.2pp | -70.31%+70.1pp | 4.54%-4.7pp |
| Employer contribution / active EE | $419 | $1,351-69.0% | $2,322-82.0% | $1,882-77.7% |
| Participant deferral / active EE | $1,604 | $2,254-28.8% | $2,953-45.7% | $3,022-46.9% |
| Admin fee / account holder | $1,377 | $387+255.9% | $5,893-76.6% | $592+132.8% |