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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 | $30,564 | $32,117-4.8% | $71,089-57.0% | $64,173-52.4% |
| Participation rate | 53.2% | 42.7%+10.5pp | 54.6%-1.4pp | 69.6%-16.3pp |
| Annual return | 7.06% | -5.57%+12.6pp | 650.65%-643.6pp | 7.63%-0.6pp |
| Employer contribution / active EE | $651 | $712-8.6% | $1,088-40.2% | $2,381-72.7% |
| Participant deferral / active EE | $1,121 | $1,263-11.2% | $1,873-40.1% | $3,470-67.7% |
| Admin fee / account holder | $407 | $2,759-85.2% | $3,082-86.8% | $4,887-91.7% |