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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 | $13,312 | $45,872-71.0% | $77,096-82.7% | $68,486-80.6% |
| Participation rate | 41.9% | 55.9%-14.0pp | 67.9%-26.0pp | 67.9%-26.0pp |
| Annual return | -5.77% | 1.73%-7.5pp | 42.35%-48.1pp | -7.85%+2.1pp |
| Employer contribution / active EE | $285 | $1,650-82.7% | $2,814-89.9% | $2,597-89.0% |
| Participant deferral / active EE | $1,240 | $2,963-58.1% | $4,429-72.0% | $4,028-69.2% |
| Admin fee / account holder | $2,279 | $3,041-25.1% | $5,428-58.0% | $5,404-57.8% |