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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 | $15,504 | $90,320-82.8% | $59,496-73.9% | $125,389-87.6% |
| Participation rate | 60.0% | 68.3%-8.3pp | 54.6%+5.4pp | 83.2%-23.2pp |
| Annual return | -3.91% | 369.13%-373.0pp | 182.05%-186.0pp | 282.24%-286.1pp |
| Employer contribution / active EE | $732 | $1,792-59.1% | $1,153-36.5% | $4,866-85.0% |
| Participant deferral / active EE | $2,582 | $2,716-4.9% | $1,829+41.2% | $5,352-51.7% |
| Admin fee / account holder | $480 | $3,063-84.3% | $2,232-78.5% | $9,541-95.0% |