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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 | $60,806 | $32,037+89.8% | $69,182-12.1% | $62,881-3.3% |
| Participation rate | 33.3% | 43.4%-10.1pp | 55.1%-21.8pp | 69.3%-36.0pp |
| Annual return | 6.42% | 15.16%-8.7pp | -21.93%+28.4pp | 20.14%-13.7pp |
| Employer contribution / active EE | $165 | $679-75.7% | $1,206-86.3% | $2,281-92.8% |
| Participant deferral / active EE | $938 | $1,185-20.9% | $1,897-50.6% | $3,203-70.7% |
| Admin fee / account holder | $10,853 | $2,608+316.1% | $2,697+302.5% | $4,296+152.7% |