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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 | $13,141 | $43,338-69.7% | $59,887-78.1% | $64,173-79.5% |
| Participation rate | 39.7% | 69.2%-29.5pp | 74.7%-35.0pp | 69.6%-29.9pp |
| Annual return | 5.11% | -1.55%+6.7pp | 3.46%+1.6pp | 7.63%-2.5pp |
| Employer contribution / active EE | $358 | $2,030-82.4% | $2,722-86.8% | $2,381-85.0% |
| Participant deferral / active EE | $1,035 | $2,547-59.4% | $3,402-69.6% | $3,470-70.2% |
| Admin fee / account holder | $3,029 | $3,007+0.7% | $3,591-15.6% | $4,887-38.0% |