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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 | $209,744 | $68,996+204.0% | $159,991+31.1% | $68,495+206.2% |
| Participation rate | 64.0% | 65.4%-1.4pp | 78.0%-14.0pp | 67.9%-3.9pp |
| Annual return | -15.89% | -9.65%-6.2pp | 408.82%-424.7pp | -7.84%-8.0pp |
| Employer contribution / active EE | $4,265 | $2,212+92.8% | $4,225+0.9% | $2,596+64.3% |
| Participant deferral / active EE | $7,501 | $4,211+78.1% | $6,183+21.3% | $4,028+86.2% |
| Admin fee / account holder | $12,024 | $4,797+150.6% | $8,715+38.0% | $5,403+122.5% |