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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 | $148,616 | $82,678+79.8% | $125,391+18.5% | $68,490+117.0% |
| Participation rate | 65.0% | 75.1%-10.1pp | 82.4%-17.4pp | 67.9%-2.9pp |
| Annual return | -15.41% | -5.97%-9.4pp | 572.41%-587.8pp | -7.85%-7.6pp |
| Employer contribution / active EE | $3,205 | $3,382-5.2% | $4,816-33.4% | $2,597+23.4% |
| Participant deferral / active EE | $6,338 | $6,111+3.7% | $7,448-14.9% | $4,028+57.4% |
| Admin fee / account holder | $4,088 | $6,277-34.9% | $10,009-59.2% | $5,403-24.3% |