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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 | $130,969 | $82,674+58.4% | $125,363+4.5% | $68,495+91.2% |
| Participation rate | 66.7% | 75.0%-8.4pp | 82.4%-15.7pp | 67.9%-1.2pp |
| Annual return | -18.58% | -5.97%-12.6pp | 572.15%-590.7pp | -7.84%-10.7pp |
| Employer contribution / active EE | $3,378 | $3,382-0.1% | $4,815-29.8% | $2,596+30.1% |
| Participant deferral / active EE | $6,296 | $6,111+3.0% | $7,447-15.5% | $4,028+56.3% |
| Admin fee / account holder | $5,267 | $6,276-16.1% | $10,005-47.4% | $5,403-2.5% |