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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 | $155,348 | $154,193+0.7% | $130,045+19.5% | $139,466+11.4% |
| Participation rate | 50.0% | 82.0%-32.0pp | 78.5%-28.5pp | 80.3%-30.3pp |
| Annual return | 15.64% | 32.51%-16.9pp | -137.30%+152.9pp | 373.66%-358.0pp |
| Employer contribution / active EE | $1,635 | $5,292-69.1% | $4,321-62.2% | $4,754-65.6% |
| Participant deferral / active EE | $6,406 | $6,709-4.5% | $5,820+10.1% | $6,712-4.6% |
| Admin fee / account holder | $116,510 | $13,989+732.9% | $10,600+999.1% | $11,409+921.2% |