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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 | $172,202 | $167,362+2.9% | $143,799+19.8% | $134,532+28.0% |
| Participation rate | 60.0% | 84.8%-24.8pp | 80.3%-20.3pp | 81.2%-21.2pp |
| Annual return | -17.85% | 0.47%-18.3pp | -0.04%-17.8pp | 418.27%-436.1pp |
| Employer contribution / active EE | $1,368 | $5,620-75.7% | $4,952-72.4% | $4,741-71.2% |
| Participant deferral / active EE | $5,013 | $6,447-22.2% | $5,638-11.1% | $6,401-21.7% |
| Admin fee / account holder | $40,514 | $18,094+123.9% | $14,677+176.0% | $11,429+254.5% |