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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 | $6,887 | $27,243-74.7% | $52,425-86.9% | $79,634-91.4% |
| Participation rate | 5.7% | 22.4%-16.8pp | 55.6%-50.0pp | 62.5%-56.8pp |
| Annual return | 17.46% | 63.36%-45.9pp | 302.12%-284.7pp | 36.46%-19.0pp |
| Employer contribution / active EE | $91 | $319-71.4% | $914-90.0% | $2,529-96.4% |
| Participant deferral / active EE | $196 | $636-69.2% | $1,790-89.1% | $3,835-94.9% |
| Admin fee / account holder | $391 | $2,105-81.4% | $2,495-84.3% | $1,002-60.9% |