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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 | $131,181 | $154,209-14.9% | $130,062+0.9% | $139,487-6.0% |
| Participation rate | 68.4% | 82.0%-13.5pp | 78.5%-10.1pp | 80.3%-11.9pp |
| Annual return | 14.34% | 32.52%-18.2pp | -137.37%+151.7pp | 373.84%-359.5pp |
| Employer contribution / active EE | $2,850 | $5,292-46.1% | $4,322-34.1% | $4,755-40.1% |
| Participant deferral / active EE | $5,998 | $6,709-10.6% | $5,821+3.1% | $6,713-10.6% |
| Admin fee / account holder | $32,576 | $13,988+132.9% | $10,601+207.3% | $11,407+185.6% |