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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 | $130,022 | $133,981-3.0% | $112,249+15.8% | $134,532-3.4% |
| Participation rate | 55.6% | 78.6%-23.0pp | 75.1%-19.5pp | 81.2%-25.7pp |
| Annual return | -17.52% | 47.16%-64.7pp | 27.48%-45.0pp | 418.27%-435.8pp |
| Employer contribution / active EE | $6,085 | $4,040+50.6% | $3,636+67.4% | $4,741+28.4% |
| Participant deferral / active EE | $5,537 | $5,292+4.6% | $4,729+17.1% | $6,401-13.5% |
| Admin fee / account holder | $9,682 | $7,492+29.2% | $6,412+51.0% | $11,429-15.3% |