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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 | $212,633 | $90,607+134.7% | $79,467+167.6% | $135,380+57.1% |
| Participation rate | 27.3% | 76.0%-48.8pp | 73.3%-46.1pp | 82.6%-55.4pp |
| Annual return | -7.43% | 977.74%-985.2pp | 718.30%-725.7pp | 519.81%-527.2pp |
| Employer contribution / active EE | $2,677 | $3,068-12.7% | $2,800-4.4% | $4,779-44.0% |
| Participant deferral / active EE | $5,468 | $4,050+35.0% | $3,704+47.6% | $5,609-2.5% |
| Admin fee / account holder | $10,714 | $5,895+81.8% | $5,104+109.9% | $10,828-1.1% |