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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 | $208,276 | $167,362+24.4% | $143,799+44.8% | $134,532+54.8% |
| Participation rate | 60.0% | 84.8%-24.8pp | 80.3%-20.3pp | 81.2%-21.2pp |
| Annual return | -13.25% | 0.47%-13.7pp | -0.04%-13.2pp | 418.27%-431.5pp |
| Employer contribution / active EE | $8,192 | $5,620+45.8% | $4,952+65.4% | $4,741+72.8% |
| Participant deferral / active EE | $11,440 | $6,447+77.4% | $5,638+102.9% | $6,401+78.7% |
| Admin fee / account holder | $3,067 | $18,094-83.0% | $14,677-79.1% | $11,429-73.2% |