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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 | $193,857 | $133,981+44.7% | $112,249+72.7% | $134,532+44.1% |
| Participation rate | 69.2% | 78.6%-9.3pp | 75.1%-5.8pp | 81.2%-12.0pp |
| Annual return | -15.09% | 47.16%-62.2pp | 27.48%-42.6pp | 418.27%-433.4pp |
| Employer contribution / active EE | $3,107 | $4,040-23.1% | $3,636-14.5% | $4,741-34.5% |
| Participant deferral / active EE | $4,513 | $5,292-14.7% | $4,729-4.6% | $6,401-29.5% |
| Admin fee / account holder | $38,064 | $7,492+408.1% | $6,412+493.6% | $11,429+233.1% |