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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 | $173,144 | $138,075+25.4% | $123,552+40.1% | $135,379+27.9% |
| Participation rate | 66.7% | 84.7%-18.1pp | 82.3%-15.6pp | 82.6%-16.0pp |
| Annual return | -3.65% | 153.70%-157.3pp | 119.20%-122.9pp | 519.79%-523.4pp |
| Employer contribution / active EE | $11,928 | $5,152+131.5% | $4,628+157.7% | $4,779+149.6% |
| Participant deferral / active EE | $6,628 | $6,800-2.5% | $6,426+3.1% | $5,609+18.2% |
| Admin fee / account holder | $5,073 | $10,917-53.5% | $9,285-45.4% | $10,828-53.1% |