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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 | $12,375 | $49,177-74.8% | $79,466-84.4% | $64,173-80.7% |
| Participation rate | 37.0% | 65.0%-28.0pp | 73.3%-36.3pp | 69.6%-32.5pp |
| Annual return | -6.83% | -1.16%-5.7pp | 718.28%-725.1pp | 7.63%-14.5pp |
| Employer contribution / active EE | $1,432 | $2,076-31.0% | $2,800-48.9% | $2,381-39.9% |
| Participant deferral / active EE | $2,471 | $2,821-12.4% | $3,704-33.3% | $3,470-28.8% |
| Admin fee / account holder | $6,524 | $3,839+69.9% | $5,104+27.8% | $4,887+33.5% |