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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 | $31,421 | $42,383-25.9% | $76,518-58.9% | $64,173-51.0% |
| Participation rate | 22.0% | 58.1%-36.1pp | 68.0%-46.0pp | 69.6%-47.6pp |
| Annual return | -6.25% | -16.54%+10.3pp | -0.27%-6.0pp | 7.63%-13.9pp |
| Employer contribution / active EE | $530 | $1,563-66.1% | $2,647-80.0% | $2,381-77.8% |
| Participant deferral / active EE | $939 | $2,566-63.4% | $3,836-75.5% | $3,470-72.9% |
| Admin fee / account holder | $7,030 | $3,198+119.8% | $4,849+45.0% | $4,887+43.8% |