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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 | $9,553 | $26,549-64.0% | $61,501-84.5% | $66,949-85.7% |
| Participation rate | 15.2% | 38.1%-22.9pp | 52.6%-37.4pp | 69.8%-54.6pp |
| Annual return | 9.59% | -16.21%+25.8pp | 339.04%-329.5pp | 1.57%+8.0pp |
| Employer contribution / active EE | $507 | $651-22.2% | $1,160-56.3% | $2,545-80.1% |
| Participant deferral / active EE | $647 | $1,338-51.6% | $2,125-69.5% | $4,239-84.7% |
| Admin fee / account holder | $1,296 | $409+217.2% | $2,132-39.2% | $594+118.3% |