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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 | $67,781 | $102,382-33.8% | $147,005-53.9% | $80,874-16.2% |
| Participation rate | 57.7% | 75.8%-18.2pp | 82.2%-24.5pp | 67.6%-10.0pp |
| Annual return | 17.64% | 134.89%-117.2pp | 418.76%-401.1pp | 35.62%-18.0pp |
| Employer contribution / active EE | $2,612 | $3,715-29.7% | $4,934-47.1% | $2,756-5.2% |
| Participant deferral / active EE | $4,753 | $6,646-28.5% | $8,070-41.1% | $4,297+10.6% |
| Admin fee / account holder | $17,408 | $7,942+119.2% | $13,006+33.8% | $6,935+151.0% |