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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 | $140,826 | $167,362-15.9% | $143,799-2.1% | $134,532+4.7% |
| Participation rate | 55.6% | 84.8%-29.3pp | 80.3%-24.8pp | 81.2%-25.7pp |
| Annual return | -16.20% | 0.47%-16.7pp | -0.04%-16.2pp | 418.27%-434.5pp |
| Employer contribution / active EE | $2,049 | $5,620-63.6% | $4,952-58.6% | $4,741-56.8% |
| Participant deferral / active EE | $3,636 | $6,447-43.6% | $5,638-35.5% | $6,401-43.2% |
| Admin fee / account holder | $15,589 | $18,094-13.8% | $14,677+6.2% | $11,429+36.4% |