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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 | $138,338 | $167,352-17.3% | $143,788-3.8% | $134,509+2.8% |
| Participation rate | 58.8% | 84.8%-26.0pp | 80.3%-21.5pp | 81.2%-22.4pp |
| Annual return | -14.10% | 0.47%-14.6pp | -0.03%-14.1pp | 418.13%-432.2pp |
| Employer contribution / active EE | $2,390 | $5,620-57.5% | $4,952-51.7% | $4,741-49.6% |
| Participant deferral / active EE | $6,164 | $6,447-4.4% | $5,638+9.3% | $6,400-3.7% |
| Admin fee / account holder | $120,159 | $18,091+564.2% | $14,675+718.8% | $11,427+951.6% |