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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 | $9,787 | $30,732-68.2% | $59,496-83.5% | $59,633-83.6% |
| Participation rate | 65.4% | 43.2%+22.2pp | 54.6%+10.8pp | 68.7%-3.3pp |
| Annual return | -1.51% | 4.47%-6.0pp | 182.05%-183.6pp | 2041.45%-2043.0pp |
| Employer contribution / active EE | $830 | $631+31.6% | $1,153-28.0% | $2,203-62.3% |
| Participant deferral / active EE | $2,095 | $1,183+77.1% | $1,829+14.5% | $3,192-34.4% |
| Admin fee / account holder | $525 | $2,136-75.4% | $2,232-76.5% | $4,297-87.8% |