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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 | $118,015 | $75,962+55.4% | $154,108-23.4% | $64,173+83.9% |
| Participation rate | 69.2% | 70.4%-1.2pp | 83.0%-13.8pp | 69.6%-0.3pp |
| Annual return | -6.34% | 30.32%-36.7pp | 735.21%-741.5pp | 7.63%-14.0pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $5,298-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,874 | $3,175-41.0% | $5,081-63.1% | $3,470-46.0% |
| Admin fee / account holder | $50,577 | $5,589+805.0% | $13,411+277.1% | $4,887+934.8% |