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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 | $18,262 | $56,484-67.7% | $169,452-89.2% | $64,173-71.5% |
| Participation rate | 30.0% | 64.5%-34.5pp | 77.8%-47.8pp | 69.6%-39.6pp |
| Annual return | -2.92% | -1.55%-1.4pp | 1.83%-4.7pp | 7.63%-10.6pp |
| Employer contribution / active EE | $326 | $1,832-82.2% | $4,157-92.2% | $2,381-86.3% |
| Participant deferral / active EE | $1,705 | $3,448-50.5% | $5,277-67.7% | $3,470-50.8% |
| Admin fee / account holder | $14,378 | $4,174+244.5% | $9,110+57.8% | $4,887+194.2% |