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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 | $22,000 | $117,623-81.3% | $71,702-69.3% | $134,509-83.6% |
| Participation rate | 69.2% | 68.9%+0.4pp | 62.3%+6.9pp | 81.2%-12.0pp |
| Annual return | -19.27% | 25.44%-44.7pp | 9.14%-28.4pp | 418.13%-437.4pp |
| Employer contribution / active EE | $853 | $2,525-66.2% | $1,704-50.0% | $4,741-82.0% |
| Participant deferral / active EE | $3,085 | $3,759-17.9% | $2,658+16.1% | $6,400-51.8% |
| Admin fee / account holder | $840 | $6,379-86.8% | $3,974-78.9% | $11,427-92.7% |