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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 | $115,729 | $91,537+26.4% | $130,045-11.0% | $75,173+53.9% |
| Participation rate | 29.9% | 71.5%-41.6pp | 78.5%-48.6pp | 67.2%-37.3pp |
| Annual return | 14.35% | -631.55%+645.9pp | -137.30%+151.7pp | 160.72%-146.4pp |
| Employer contribution / active EE | $0 | $2,845-100.0% | $4,321-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,405 | $4,343-44.6% | $5,820-58.7% | $4,126-41.7% |
| Admin fee / account holder | $31,982 | $6,780+371.7% | $10,600+201.7% | $5,651+466.0% |