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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 | $8,798 | $32,037-72.5% | $69,182-87.3% | $62,881-86.0% |
| Participation rate | 64.0% | 43.4%+20.6pp | 55.1%+8.9pp | 69.3%-5.3pp |
| Annual return | 10.28% | 15.16%-4.9pp | -21.93%+32.2pp | 20.14%-9.9pp |
| Employer contribution / active EE | $744 | $679+9.5% | $1,206-38.4% | $2,281-67.4% |
| Participant deferral / active EE | $1,410 | $1,185+18.9% | $1,897-25.7% | $3,203-56.0% |
| Admin fee / account holder | $332 | $2,608-87.3% | $2,697-87.7% | $4,296-92.3% |