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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 | $8,292 | $45,872-81.9% | $77,096-89.2% | $68,486-87.9% |
| Participation rate | 48.8% | 55.9%-7.1pp | 67.9%-19.1pp | 67.9%-19.1pp |
| Annual return | -6.99% | 1.73%-8.7pp | 42.35%-49.3pp | -7.85%+0.9pp |
| Employer contribution / active EE | $1,085 | $1,650-34.2% | $2,814-61.5% | $2,597-58.2% |
| Participant deferral / active EE | $2,142 | $2,963-27.7% | $4,429-51.6% | $4,028-46.8% |
| Admin fee / account holder | $3,262 | $3,041+7.3% | $5,428-39.9% | $5,404-39.6% |