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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 | $245,324 | $82,674+196.7% | $125,381+95.7% | $68,486+258.2% |
| Participation rate | 69.4% | 75.1%-5.6pp | 82.4%-12.9pp | 67.9%+1.6pp |
| Annual return | -13.14% | -5.97%-7.2pp | 572.31%-585.4pp | -7.85%-5.3pp |
| Employer contribution / active EE | $4,769 | $3,382+41.0% | $4,815-1.0% | $2,597+83.7% |
| Participant deferral / active EE | $10,920 | $6,111+78.7% | $7,448+46.6% | $4,028+171.1% |
| Admin fee / account holder | $83,331 | $6,277+1227.6% | $10,007+732.7% | $5,404+1442.1% |