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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 | $138,083 | $93,124+48.3% | $77,100+79.1% | $134,545+2.6% |
| Participation rate | 38.5% | 74.5%-36.0pp | 67.9%-29.5pp | 81.2%-42.8pp |
| Annual return | -20.33% | 62.68%-83.0pp | 42.35%-62.7pp | 418.37%-438.7pp |
| Employer contribution / active EE | $1,051 | $3,421-69.3% | $2,815-62.6% | $4,742-77.8% |
| Participant deferral / active EE | $3,318 | $5,242-36.7% | $4,430-25.1% | $6,401-48.2% |
| Admin fee / account holder | $9,490 | $6,970+36.2% | $5,443+74.3% | $11,431-17.0% |