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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 | $7,956 | $27,943-71.5% | $58,507-86.4% | $75,177-89.4% |
| Participation rate | 48.8% | 38.8%+9.9pp | 50.9%-2.1pp | 67.2%-18.4pp |
| Annual return | 22.75% | 44.22%-21.5pp | 4252.32%-4229.6pp | 160.75%-138.0pp |
| Employer contribution / active EE | $442 | $670-34.0% | $1,053-58.0% | $2,671-83.5% |
| Participant deferral / active EE | $1,509 | $1,202+25.6% | $1,922-21.5% | $4,126-63.4% |
| Admin fee / account holder | $399 | $1,727-76.9% | $2,486-83.9% | $5,651-92.9% |