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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 | $14,193 | $49,280-71.2% | $67,313-78.9% | $64,181-77.9% |
| Participation rate | 39.5% | 60.8%-21.3pp | 69.1%-29.6pp | 69.6%-30.1pp |
| Annual return | -3.33% | -1.39%-1.9pp | -4.08%+0.8pp | 7.63%-11.0pp |
| Employer contribution / active EE | $802 | $1,668-51.9% | $2,566-68.7% | $2,381-66.3% |
| Participant deferral / active EE | $1,131 | $2,484-54.5% | $3,568-68.3% | $3,470-67.4% |
| Admin fee / account holder | $8,206 | $3,863+112.4% | $4,507+82.1% | $4,887+67.9% |