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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 | $234,856 | $138,102+70.1% | $125,381+87.3% | $134,532+74.6% |
| Participation rate | 63.6% | 84.5%-20.9pp | 82.4%-18.7pp | 81.2%-17.6pp |
| Annual return | -17.52% | 750.73%-768.2pp | 572.31%-589.8pp | 418.27%-435.8pp |
| Employer contribution / active EE | $3,011 | $5,245-42.6% | $4,815-37.5% | $4,741-36.5% |
| Participant deferral / active EE | $6,035 | $7,801-22.6% | $7,448-19.0% | $6,401-5.7% |
| Admin fee / account holder | $7,002 | $11,568-39.5% | $10,007-30.0% | $11,429-38.7% |