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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 | $10,002 | $73,863-86.5% | $143,797-93.0% | $68,490-85.4% |
| Participation rate | 28.3% | 66.7%-38.4pp | 80.3%-52.1pp | 67.9%-39.6pp |
| Annual return | -17.39% | 0.91%-18.3pp | -0.04%-17.4pp | -7.85%-9.5pp |
| Employer contribution / active EE | $452 | $3,185-85.8% | $4,952-90.9% | $2,597-82.6% |
| Participant deferral / active EE | $1,071 | $3,385-68.3% | $5,638-81.0% | $4,028-73.4% |
| Admin fee / account holder | $1,185 | $5,756-79.4% | $14,679-91.9% | $5,403-78.1% |