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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 | $195,310 | $133,981+45.8% | $112,249+74.0% | $134,532+45.2% |
| Participation rate | 10.5% | 78.6%-68.0pp | 75.1%-64.5pp | 81.2%-70.7pp |
| Annual return | -18.55% | 47.16%-65.7pp | 27.48%-46.0pp | 418.27%-436.8pp |
| Employer contribution / active EE | $3,421 | $4,040-15.3% | $3,636-5.9% | $4,741-27.8% |
| Participant deferral / active EE | $2,842 | $5,292-46.3% | $4,729-39.9% | $6,401-55.6% |
| Admin fee / account holder | $2,784 | $7,492-62.8% | $6,412-56.6% | $11,429-75.6% |