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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 | $7,387 | $36,844-80.0% | $83,854-91.2% | $65,306-88.7% |
| Participation rate | 24.5% | 29.2%-4.8pp | 59.1%-34.6pp | 57.7%-33.2pp |
| Annual return | 15.71% | 22.28%-6.6pp | 31.39%-15.7pp | 21.94%-6.2pp |
| Employer contribution / active EE | $150 | $415-63.8% | $1,017-85.2% | $1,967-92.4% |
| Participant deferral / active EE | $590 | $1,040-43.2% | $2,035-71.0% | $2,959-80.0% |
| Admin fee / account holder | $439 | $2,546-82.8% | $3,197-86.3% | $3,480-87.4% |