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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 | $36,140-79.6% | $73,658-90.0% | $64,340-88.5% |
| Participation rate | 24.5% | 31.0%-6.6pp | 57.0%-32.6pp | 55.2%-30.8pp |
| Annual return | 15.71% | 21.48%-5.8pp | 29.72%-14.0pp | 24.14%-8.4pp |
| Employer contribution / active EE | $150 | $443-66.1% | $1,032-85.4% | $1,862-91.9% |
| Participant deferral / active EE | $590 | $1,023-42.3% | $2,062-71.4% | $2,980-80.2% |
| Admin fee / account holder | $439 | $2,513-82.5% | $3,357-86.9% | $3,703-88.2% |