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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 | $124,677 | $43,730+185.1% | $121,208+2.9% | $64,181+94.3% |
| Participation rate | 56.8% | 58.3%-1.6pp | 71.8%-15.0pp | 69.6%-12.8pp |
| Annual return | -3.21% | 68.94%-72.1pp | 16.93%-20.1pp | 7.63%-10.8pp |
| Employer contribution / active EE | $924 | $1,297-28.8% | $4,023-77.0% | $2,381-61.2% |
| Participant deferral / active EE | $2,213 | $2,281-3.0% | $3,345-33.8% | $3,470-36.2% |
| Admin fee / account holder | $8,001 | $3,502+128.5% | $5,020+59.4% | $4,887+63.7% |