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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 | $11,400 | $27,639-58.8% | $61,501-81.5% | $68,490-83.4% |
| Participation rate | 58.1% | 39.5%+18.6pp | 52.6%+5.5pp | 67.9%-9.8pp |
| Annual return | 7.16% | -13.19%+20.4pp | 339.04%-331.9pp | -7.85%+15.0pp |
| Employer contribution / active EE | $2,684 | $696+285.6% | $1,160+131.4% | $2,597+3.3% |
| Participant deferral / active EE | $1,850 | $1,264+46.4% | $2,125-12.9% | $4,028-54.1% |
| Admin fee / account holder | $408 | $2,012-79.7% | $2,132-80.8% | $5,403-92.4% |