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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 | $152,440 | $90,606+68.2% | $79,466+91.8% | $135,379+12.6% |
| Participation rate | 55.0% | 76.0%-21.0pp | 73.3%-18.3pp | 82.6%-27.6pp |
| Annual return | -6.70% | 977.69%-984.4pp | 718.28%-725.0pp | 519.79%-526.5pp |
| Employer contribution / active EE | $2,141 | $3,068-30.2% | $2,800-23.5% | $4,779-55.2% |
| Participant deferral / active EE | $4,652 | $4,050+14.8% | $3,704+25.6% | $5,609-17.1% |
| Admin fee / account holder | $6,741 | $5,895+14.4% | $5,104+32.1% | $10,828-37.7% |