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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 | $146,733 | $138,072+6.3% | $123,549+18.8% | $135,382+8.4% |
| Participation rate | 62.5% | 84.7%-22.2pp | 82.3%-19.8pp | 82.6%-20.1pp |
| Annual return | -5.84% | 153.69%-159.5pp | 119.20%-125.0pp | 519.77%-525.6pp |
| Employer contribution / active EE | $2,784 | $5,152-46.0% | $4,628-39.9% | $4,779-41.8% |
| Participant deferral / active EE | $5,274 | $6,799-22.4% | $6,426-17.9% | $5,609-6.0% |
| Admin fee / account holder | $6,247 | $10,917-42.8% | $9,284-32.7% | $10,829-42.3% |