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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 | $139,905 | $167,362-16.4% | $143,799-2.7% | $134,532+4.0% |
| Participation rate | 50.0% | 84.8%-34.8pp | 80.3%-30.3pp | 81.2%-31.2pp |
| Annual return | -18.24% | 0.47%-18.7pp | -0.04%-18.2pp | 418.27%-436.5pp |
| Employer contribution / active EE | $2,052 | $5,620-63.5% | $4,952-58.6% | $4,741-56.7% |
| Participant deferral / active EE | $3,785 | $6,447-41.3% | $5,638-32.9% | $6,401-40.9% |
| Admin fee / account holder | $2,172 | $18,094-88.0% | $14,677-85.2% | $11,429-81.0% |