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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 | $18,313 | $56,484-67.6% | $169,452-89.2% | $64,173-71.5% |
| Participation rate | 36.6% | 64.5%-28.0pp | 77.8%-41.2pp | 69.6%-33.0pp |
| Annual return | -5.63% | -1.55%-4.1pp | 1.83%-7.5pp | 7.63%-13.3pp |
| Employer contribution / active EE | $1,188 | $1,832-35.2% | $4,157-71.4% | $2,381-50.1% |
| Participant deferral / active EE | $2,269 | $3,448-34.2% | $5,277-57.0% | $3,470-34.6% |
| Admin fee / account holder | $9,690 | $4,174+132.1% | $9,110+6.4% | $4,887+98.3% |