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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 | $149,893 | $133,998+11.9% | $112,263+33.5% | $134,545+11.4% |
| Participation rate | 40.0% | 78.6%-38.6pp | 75.1%-35.1pp | 81.2%-41.2pp |
| Annual return | -11.72% | 47.17%-58.9pp | 27.49%-39.2pp | 418.37%-430.1pp |
| Employer contribution / active EE | $1,107 | $4,040-72.6% | $3,636-69.6% | $4,742-76.7% |
| Participant deferral / active EE | $3,526 | $5,292-33.4% | $4,729-25.5% | $6,401-44.9% |
| Admin fee / account holder | $90,261 | $7,493+1104.6% | $6,410+1308.0% | $11,431+689.6% |