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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 | $144,329 | $133,981+7.7% | $112,249+28.6% | $134,532+7.3% |
| Participation rate | 50.0% | 78.6%-28.6pp | 75.1%-25.1pp | 81.2%-31.2pp |
| Annual return | -14.30% | 47.16%-61.5pp | 27.48%-41.8pp | 418.27%-432.6pp |
| Employer contribution / active EE | $1,360 | $4,040-66.3% | $3,636-62.6% | $4,741-71.3% |
| Participant deferral / active EE | $3,484 | $5,292-34.2% | $4,729-26.3% | $6,401-45.6% |
| Admin fee / account holder | $2,223 | $7,492-70.3% | $6,412-65.3% | $11,429-80.5% |