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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 | $167,347 | $152,597+9.7% | $117,533+42.4% | $134,532+24.4% |
| Participation rate | 55.6% | 77.1%-21.6pp | 70.6%-15.0pp | 81.2%-25.7pp |
| Annual return | -19.22% | 53.04%-72.3pp | 29.77%-49.0pp | 418.27%-437.5pp |
| Employer contribution / active EE | $1,338 | $5,576-76.0% | $4,179-68.0% | $4,741-71.8% |
| Participant deferral / active EE | $5,042 | $4,821+4.6% | $4,072+23.8% | $6,401-21.2% |
| Admin fee / account holder | $6,017 | $7,007-14.1% | $5,647+6.6% | $11,429-47.3% |