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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 | $8,639 | $34,316-74.8% | $74,723-88.4% | $72,976-88.2% |
| Participation rate | 69.7% | 42.4%+27.3pp | 54.5%+15.2pp | 69.5%+0.2pp |
| Annual return | 23.68% | 26.58%-2.9pp | 753.18%-729.5pp | 81.02%-57.3pp |
| Employer contribution / active EE | $573 | $692-17.2% | $1,084-47.1% | $2,440-76.5% |
| Participant deferral / active EE | $1,822 | $1,272+43.3% | $1,962-7.1% | $3,608-49.5% |
| Admin fee / account holder | $387 | $2,125-81.8% | $3,335-88.4% | $5,124-92.4% |