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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 | $11,417 | $73,848-84.5% | $143,799-92.1% | $68,486-83.3% |
| Participation rate | 55.1% | 66.7%-11.6pp | 80.3%-25.2pp | 67.9%-12.8pp |
| Annual return | -12.30% | 0.91%-13.2pp | -0.04%-12.3pp | -7.85%-4.4pp |
| Employer contribution / active EE | $679 | $3,184-78.7% | $4,952-86.3% | $2,597-73.8% |
| Participant deferral / active EE | $1,026 | $3,385-69.7% | $5,638-81.8% | $4,028-74.5% |
| Admin fee / account holder | $8,400 | $5,755+46.0% | $14,677-42.8% | $5,404+55.5% |