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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 | $23,207 | $42,383-45.2% | $76,518-69.7% | $64,173-63.8% |
| Participation rate | 40.5% | 58.1%-17.7pp | 68.0%-27.5pp | 69.6%-29.1pp |
| Annual return | -3.66% | -16.54%+12.9pp | -0.27%-3.4pp | 7.63%-11.3pp |
| Employer contribution / active EE | $231 | $1,563-85.2% | $2,647-91.3% | $2,381-90.3% |
| Participant deferral / active EE | $960 | $2,566-62.6% | $3,836-75.0% | $3,470-72.3% |
| Admin fee / account holder | $15,645 | $3,198+389.2% | $4,849+222.7% | $4,887+220.1% |