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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 | $32,450 | $62,583-48.1% | $76,767-57.7% | $64,173-49.4% |
| Participation rate | 50.0% | 72.8%-22.8pp | 77.0%-27.0pp | 69.6%-19.6pp |
| Annual return | 1.01% | -1.95%+3.0pp | 2.43%-1.4pp | 7.63%-6.6pp |
| Employer contribution / active EE | $1,071 | $1,832-41.5% | $2,485-56.9% | $2,381-55.0% |
| Participant deferral / active EE | $3,409 | $3,145+8.4% | $3,852-11.5% | $3,470-1.7% |
| Admin fee / account holder | $1,791 | $4,667-61.6% | $6,675-73.2% | $4,887-63.4% |