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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 | $9,877 | $42,910-77.0% | $60,919-83.8% | $68,490-85.6% |
| Participation rate | 47.2% | 66.8%-19.5pp | 73.1%-25.9pp | 67.9%-20.7pp |
| Annual return | -12.21% | -13.99%+1.8pp | 16.96%-29.2pp | -7.85%-4.4pp |
| Employer contribution / active EE | $804 | $1,978-59.3% | $2,704-70.2% | $2,597-69.0% |
| Participant deferral / active EE | $1,458 | $2,866-49.1% | $3,814-61.8% | $4,028-63.8% |
| Admin fee / account holder | $1,401 | $3,104-54.9% | $3,228-56.6% | $5,403-74.1% |