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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 | $140,649 | $138,102+1.8% | $125,381+12.2% | $134,532+4.5% |
| Participation rate | 52.9% | 84.5%-31.6pp | 82.4%-29.4pp | 81.2%-28.3pp |
| Annual return | -7.43% | 750.73%-758.2pp | 572.31%-579.7pp | 418.27%-425.7pp |
| Employer contribution / active EE | $2,838 | $5,245-45.9% | $4,815-41.1% | $4,741-40.1% |
| Participant deferral / active EE | $4,194 | $7,801-46.2% | $7,448-43.7% | $6,401-34.5% |
| Admin fee / account holder | $13,521 | $11,568+16.9% | $10,007+35.1% | $11,429+18.3% |