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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 | $5,170 | $27,632-81.3% | $61,452-91.6% | $68,486-92.5% |
| Participation rate | 41.7% | 39.5%+2.2pp | 52.6%-10.9pp | 67.9%-26.2pp |
| Annual return | 43.34% | -13.24%+56.6pp | 338.96%-295.6pp | -7.85%+51.2pp |
| Employer contribution / active EE | $875 | $696+25.8% | $1,160-24.5% | $2,597-66.3% |
| Participant deferral / active EE | $912 | $1,264-27.8% | $2,125-57.1% | $4,028-77.4% |
| Admin fee / account holder | $677 | $2,010-66.3% | $2,131-68.2% | $5,404-87.5% |