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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 | $53,298 | $45,566+17.0% | $64,105-16.9% | $59,633-10.6% |
| Participation rate | 63.5% | 60.2%+3.3pp | 68.2%-4.7pp | 68.7%-5.2pp |
| Annual return | -1.99% | 4.95%-6.9pp | 791.24%-793.2pp | 2041.45%-2043.4pp |
| Employer contribution / active EE | $503 | $934-46.1% | $1,820-72.3% | $2,203-77.2% |
| Participant deferral / active EE | $2,405 | $2,057+16.9% | $2,822-14.8% | $3,192-24.6% |
| Admin fee / account holder | $792 | $3,268-75.8% | $4,499-82.4% | $4,297-81.6% |