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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 | $120,952 | $133,981-9.7% | $112,249+7.8% | $134,532-10.1% |
| Participation rate | 37.5% | 78.6%-41.1pp | 75.1%-37.6pp | 81.2%-43.7pp |
| Annual return | -14.11% | 47.16%-61.3pp | 27.48%-41.6pp | 418.27%-432.4pp |
| Employer contribution / active EE | $1,535 | $4,040-62.0% | $3,636-57.8% | $4,741-67.6% |
| Participant deferral / active EE | $7,467 | $5,292+41.1% | $4,729+57.9% | $6,401+16.7% |
| Admin fee / account holder | $40,157 | $7,492+436.0% | $6,412+526.2% | $11,429+251.4% |