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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 | $158,462 | $133,981+18.3% | $112,249+41.2% | $134,532+17.8% |
| Participation rate | 46.2% | 78.6%-32.4pp | 75.1%-28.9pp | 81.2%-35.1pp |
| Annual return | -14.88% | 47.16%-62.0pp | 27.48%-42.4pp | 418.27%-433.1pp |
| Employer contribution / active EE | $1,702 | $4,040-57.9% | $3,636-53.2% | $4,741-64.1% |
| Participant deferral / active EE | $4,817 | $5,292-9.0% | $4,729+1.9% | $6,401-24.8% |
| Admin fee / account holder | $35,367 | $7,492+372.1% | $6,412+451.5% | $11,429+209.5% |