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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 | $145,835 | $167,353-12.9% | $143,797+1.4% | $134,545+8.4% |
| Participation rate | 50.0% | 84.8%-34.8pp | 80.3%-30.3pp | 81.2%-31.2pp |
| Annual return | -16.59% | 0.48%-17.1pp | -0.04%-16.5pp | 418.37%-435.0pp |
| Employer contribution / active EE | $1,461 | $5,620-74.0% | $4,952-70.5% | $4,742-69.2% |
| Participant deferral / active EE | $4,132 | $6,447-35.9% | $5,638-26.7% | $6,401-35.4% |
| Admin fee / account holder | $73,154 | $18,096+304.3% | $14,679+398.4% | $11,431+540.0% |