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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 | $135,372 | $93,117+45.4% | $77,096+75.6% | $134,532+0.6% |
| Participation rate | 47.4% | 74.5%-27.1pp | 67.9%-20.6pp | 81.2%-33.9pp |
| Annual return | -19.23% | 62.67%-81.9pp | 42.35%-61.6pp | 418.27%-437.5pp |
| Employer contribution / active EE | $2,293 | $3,420-33.0% | $2,814-18.5% | $4,741-51.6% |
| Participant deferral / active EE | $4,118 | $5,241-21.4% | $4,429-7.0% | $6,401-35.7% |
| Admin fee / account holder | $3,294 | $6,948-52.6% | $5,428-39.3% | $11,429-71.2% |