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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 | $16,165 | $86,701-81.4% | $73,309-77.9% | $125,389-87.1% |
| Participation rate | 60.0% | 78.6%-18.6pp | 74.9%-14.9pp | 83.2%-23.2pp |
| Annual return | -2.67% | 2.78%-5.4pp | 5.67%-8.3pp | 282.24%-284.9pp |
| Employer contribution / active EE | $600 | $4,152-85.6% | $3,237-81.5% | $4,866-87.7% |
| Participant deferral / active EE | $3,818 | $5,549-31.2% | $4,991-23.5% | $5,352-28.6% |
| Admin fee / account holder | $7,492 | $7,768-3.6% | $5,635+33.0% | $9,541-21.5% |