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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 | $8,626 | $45,872-81.2% | $77,100-88.8% | $68,490-87.4% |
| Participation rate | 66.7% | 55.9%+10.7pp | 67.9%-1.3pp | 67.9%-1.2pp |
| Annual return | -14.03% | 1.73%-15.8pp | 42.35%-56.4pp | -7.85%-6.2pp |
| Employer contribution / active EE | $1,151 | $1,650-30.2% | $2,815-59.1% | $2,597-55.7% |
| Participant deferral / active EE | $1,208 | $2,963-59.2% | $4,430-72.7% | $4,028-70.0% |
| Admin fee / account holder | $326 | $3,041-89.3% | $5,443-94.0% | $5,403-94.0% |