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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 | $232,588 | $129,960+79.0% | $104,299+123.0% | $134,545+72.9% |
| Participation rate | 66.7% | 79.5%-12.9pp | 73.3%-6.6pp | 81.2%-14.6pp |
| Annual return | -15.56% | 42.06%-57.6pp | 24.62%-40.2pp | 418.37%-433.9pp |
| Employer contribution / active EE | $5,335 | $4,186+27.4% | $3,373+58.2% | $4,742+12.5% |
| Participant deferral / active EE | $9,504 | $5,589+70.0% | $4,626+105.5% | $6,401+48.5% |
| Admin fee / account holder | $2,122 | $9,324-77.2% | $7,339-71.1% | $11,431-81.4% |