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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 | $23,193 | $53,596-56.7% | $90,657-74.4% | $64,173-63.9% |
| Participation rate | 51.4% | 64.5%-13.1pp | 74.0%-22.6pp | 69.6%-18.1pp |
| Annual return | -1.14% | 4.41%-5.6pp | 1.89%-3.0pp | 7.63%-8.8pp |
| Employer contribution / active EE | $821 | $1,503-45.4% | $2,532-67.6% | $2,381-65.5% |
| Participant deferral / active EE | $1,498 | $2,459-39.1% | $3,424-56.3% | $3,470-56.8% |
| Admin fee / account holder | $34,498 | $3,868+791.9% | $4,994+590.7% | $4,887+605.8% |