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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 | $123,294 | $91,537+34.7% | $130,045-5.2% | $75,173+64.0% |
| Participation rate | 60.0% | 71.5%-11.5pp | 78.5%-18.5pp | 67.2%-7.2pp |
| Annual return | 13.89% | -631.55%+645.4pp | -137.30%+151.2pp | 160.72%-146.8pp |
| Employer contribution / active EE | $1,475 | $2,845-48.1% | $4,321-65.9% | $2,671-44.8% |
| Participant deferral / active EE | $5,526 | $4,343+27.2% | $5,820-5.1% | $4,126+33.9% |
| Admin fee / account holder | $2,298 | $6,780-66.1% | $10,600-78.3% | $5,651-59.3% |