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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 | $9,532 | $34,316-72.2% | $74,722-87.2% | $72,975-86.9% |
| Participation rate | 64.0% | 42.4%+21.6pp | 54.5%+9.5pp | 69.5%-5.5pp |
| Annual return | 21.98% | 26.58%-4.6pp | 753.11%-731.1pp | 81.01%-59.0pp |
| Employer contribution / active EE | $527 | $692-23.8% | $1,084-51.4% | $2,440-78.4% |
| Participant deferral / active EE | $2,102 | $1,272+65.3% | $1,963+7.1% | $3,608-41.7% |
| Admin fee / account holder | $1,719 | $2,125-19.1% | $3,335-48.5% | $5,124-66.5% |