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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 | $143,945 | $135,645+6.1% | $110,243+30.6% | $135,380+6.3% |
| Participation rate | 45.8% | 83.5%-37.6pp | 79.8%-34.0pp | 82.6%-36.8pp |
| Annual return | -2.29% | 513.24%-515.5pp | 314.76%-317.0pp | 519.81%-522.1pp |
| Employer contribution / active EE | $1,020 | $4,907-79.2% | $3,827-73.3% | $4,779-78.6% |
| Participant deferral / active EE | $3,243 | $5,507-41.1% | $4,672-30.6% | $5,609-42.2% |
| Admin fee / account holder | $53,083 | $11,458+363.3% | $8,548+521.0% | $10,828+390.2% |