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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 | $10,834 | $27,639-60.8% | $61,501-82.4% | $68,490-84.2% |
| Participation rate | 51.2% | 39.5%+11.7pp | 52.6%-1.4pp | 67.9%-16.7pp |
| Annual return | -20.12% | -13.19%-6.9pp | 339.04%-359.2pp | -7.85%-12.3pp |
| Employer contribution / active EE | $958 | $696+37.7% | $1,160-17.4% | $2,597-63.1% |
| Participant deferral / active EE | $1,849 | $1,264+46.3% | $2,125-13.0% | $4,028-54.1% |
| Admin fee / account holder | $1,108 | $2,012-44.9% | $2,132-48.0% | $5,403-79.5% |