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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 | $79,434 | $65,034+22.1% | $90,970-12.7% | $79,856-0.5% |
| Participation rate | 31.1% | 61.6%-30.5pp | 69.0%-37.9pp | 69.6%-38.6pp |
| Annual return | 18.86% | 30.45%-11.6pp | 134.60%-115.7pp | 31.71%-12.8pp |
| Employer contribution / active EE | $411 | $1,247-67.1% | $2,122-80.6% | $2,471-83.4% |
| Participant deferral / active EE | $1,303 | $2,512-48.1% | $3,373-61.4% | $3,741-65.2% |
| Admin fee / account holder | $17,435 | $4,536+284.4% | $5,961+192.5% | $5,306+228.6% |