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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 | $160,714 | $138,114+16.4% | $125,391+28.2% | $134,545+19.5% |
| Participation rate | 35.7% | 84.5%-48.8pp | 82.4%-46.7pp | 81.2%-45.5pp |
| Annual return | -19.76% | 750.88%-770.6pp | 572.41%-592.2pp | 418.37%-438.1pp |
| Employer contribution / active EE | $1,550 | $5,246-70.5% | $4,816-67.8% | $4,742-67.3% |
| Participant deferral / active EE | $2,877 | $7,801-63.1% | $7,448-61.4% | $6,401-55.1% |
| Admin fee / account holder | $1,408 | $11,570-87.8% | $10,009-85.9% | $11,431-87.7% |