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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 | $12,785 | $73,848-82.7% | $143,799-91.1% | $68,486-81.3% |
| Participation rate | 21.2% | 66.7%-45.4pp | 80.3%-59.1pp | 67.9%-46.7pp |
| Annual return | -12.75% | 0.91%-13.7pp | -0.04%-12.7pp | -7.85%-4.9pp |
| Employer contribution / active EE | $632 | $3,184-80.1% | $4,952-87.2% | $2,597-75.6% |
| Participant deferral / active EE | $1,853 | $3,385-45.2% | $5,638-67.1% | $4,028-54.0% |
| Admin fee / account holder | $34,058 | $5,755+491.8% | $14,677+132.1% | $5,404+530.3% |