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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 | $28,756 | $53,596-46.3% | $90,657-68.3% | $64,173-55.2% |
| Participation rate | 37.5% | 64.5%-27.0pp | 74.0%-36.5pp | 69.6%-32.1pp |
| Annual return | -5.82% | 4.41%-10.2pp | 1.89%-7.7pp | 7.63%-13.5pp |
| Employer contribution / active EE | $530 | $1,503-64.7% | $2,532-79.1% | $2,381-77.7% |
| Participant deferral / active EE | $1,329 | $2,459-45.9% | $3,424-61.2% | $3,470-61.7% |
| Admin fee / account holder | $12,507 | $3,868+223.4% | $4,994+150.4% | $4,887+155.9% |