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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 | $7,223 | $29,051-75.1% | $52,425-86.2% | $67,986-89.4% |
| Participation rate | 17.1% | 30.4%-13.3pp | 55.6%-38.5pp | 57.2%-40.1pp |
| Annual return | 21.14% | 24.00%-2.9pp | 302.12%-281.0pp | 31.67%-10.5pp |
| Employer contribution / active EE | $253 | $412-38.5% | $914-72.3% | $2,019-87.4% |
| Participant deferral / active EE | $467 | $873-46.5% | $1,790-73.9% | $3,358-86.1% |
| Admin fee / account holder | $1,161 | $2,113-45.0% | $2,495-53.5% | $3,203-63.7% |