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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 | $105,122 | $92,743+13.3% | $82,744+27.0% | $134,532-21.9% |
| Participation rate | 60.0% | 75.2%-15.2pp | 72.6%-12.6pp | 81.2%-21.2pp |
| Annual return | -17.45% | 946.63%-964.1pp | 702.22%-719.7pp | 418.27%-435.7pp |
| Employer contribution / active EE | $4,088 | $3,273+24.9% | $3,008+35.9% | $4,741-13.8% |
| Participant deferral / active EE | $14,732 | $4,802+206.8% | $4,395+235.2% | $6,401+130.2% |
| Admin fee / account holder | $701 | $5,977-88.3% | $5,325-86.8% | $11,429-93.9% |