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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 | $133,941 | $142,392-5.9% | $119,622+12.0% | $134,532-0.4% |
| Participation rate | 57.1% | 82.8%-25.7pp | 79.3%-22.1pp | 81.2%-24.1pp |
| Annual return | -8.70% | -12.46%+3.8pp | -14.98%+6.3pp | 418.27%-427.0pp |
| Employer contribution / active EE | $7,394 | $5,224+41.5% | $4,232+74.7% | $4,741+56.0% |
| Participant deferral / active EE | $5,302 | $6,467-18.0% | $5,601-5.3% | $6,401-17.2% |
| Admin fee / account holder | $1,529 | $13,593-88.7% | $10,328-85.2% | $11,429-86.6% |