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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 | $15,221 | $32,037-52.5% | $69,182-78.0% | $62,881-75.8% |
| Participation rate | 25.0% | 43.4%-18.4pp | 55.1%-30.1pp | 69.3%-44.3pp |
| Annual return | 7.15% | 15.16%-8.0pp | -21.93%+29.1pp | 20.14%-13.0pp |
| Employer contribution / active EE | $160 | $679-76.5% | $1,206-86.7% | $2,281-93.0% |
| Participant deferral / active EE | $489 | $1,185-58.8% | $1,897-74.2% | $3,203-84.7% |
| Admin fee / account holder | $13,017 | $2,608+399.1% | $2,697+382.7% | $4,296+203.0% |