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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 | $12,302 | $45,087-72.7% | $69,483-82.3% | $72,976-83.1% |
| Participation rate | 59.1% | 68.5%-9.4pp | 74.6%-15.5pp | 69.5%-10.4pp |
| Annual return | 0.00% | 22.67%-22.7pp | 28.99%-29.0pp | 81.02%-81.0pp |
| Employer contribution / active EE | $424 | $2,055-79.4% | $2,780-84.8% | $2,440-82.6% |
| Participant deferral / active EE | $969 | $2,603-62.8% | $3,537-72.6% | $3,608-73.1% |
| Admin fee / account holder | $368 | $3,057-88.0% | $3,841-90.4% | $5,124-92.8% |