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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 | $121,047 | $95,979+26.1% | $74,551+62.4% | $135,380-10.6% |
| Participation rate | 63.6% | 75.7%-12.0pp | 69.1%-5.5pp | 82.6%-19.0pp |
| Annual return | -8.52% | 56.97%-65.5pp | 32.53%-41.1pp | 519.81%-528.3pp |
| Employer contribution / active EE | $3,977 | $2,716+46.4% | $1,961+102.8% | $4,779-16.8% |
| Participant deferral / active EE | $5,101 | $3,844+32.7% | $3,108+64.1% | $5,609-9.1% |
| Admin fee / account holder | $1,310 | $6,522-79.9% | $5,059-74.1% | $10,828-87.9% |