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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 | $181,971 | $138,078+31.8% | $125,363+45.2% | $134,509+35.3% |
| Participation rate | 60.0% | 84.5%-24.5pp | 82.4%-22.4pp | 81.2%-21.2pp |
| Annual return | -20.32% | 750.49%-770.8pp | 572.15%-592.5pp | 418.13%-438.5pp |
| Employer contribution / active EE | $2,627 | $5,245-49.9% | $4,815-45.4% | $4,741-44.6% |
| Participant deferral / active EE | $14,675 | $7,800+88.1% | $7,447+97.1% | $6,400+129.3% |
| Admin fee / account holder | $7,728 | $11,566-33.2% | $10,005-22.8% | $11,427-32.4% |