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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 | $9,779 | $23,330-58.1% | $64,489-84.8% | $82,448-88.1% |
| Participation rate | 50.0% | 68.3%-18.3pp | 67.7%-17.7pp | 68.1%-18.1pp |
| Annual return | 16.96% | 83.66%-66.7pp | 55.03%-38.1pp | 41.64%-24.7pp |
| Employer contribution / active EE | $440 | $824-46.7% | $1,523-71.1% | $2,551-82.8% |
| Participant deferral / active EE | $1,858 | $1,707+8.8% | $2,778-33.1% | $4,139-55.1% |
| Admin fee / account holder | $3,076 | $2,946+4.4% | $4,260-27.8% | $7,234-57.5% |