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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 | $79,577 | $78,423+1.5% | $95,964-17.1% | $79,856-0.3% |
| Participation rate | 56.3% | 73.5%-17.2pp | 77.1%-20.8pp | 69.6%-13.4pp |
| Annual return | 18.63% | 19.37%-0.7pp | 91.64%-73.0pp | 31.71%-13.1pp |
| Employer contribution / active EE | $744 | $1,945-61.7% | $2,541-70.7% | $2,471-69.9% |
| Participant deferral / active EE | $3,417 | $3,440-0.7% | $4,167-18.0% | $3,741-8.6% |
| Admin fee / account holder | $16,186 | $5,622+187.9% | $6,797+138.1% | $5,306+205.0% |