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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 | $127,573 | $133,981-4.8% | $112,249+13.7% | $134,532-5.2% |
| Participation rate | 66.7% | 78.6%-11.9pp | 75.1%-8.4pp | 81.2%-14.6pp |
| Annual return | -17.67% | 47.16%-64.8pp | 27.48%-45.1pp | 418.27%-435.9pp |
| Employer contribution / active EE | $5,054 | $4,040+25.1% | $3,636+39.0% | $4,741+6.6% |
| Participant deferral / active EE | $10,664 | $5,292+101.5% | $4,729+125.5% | $6,401+66.6% |
| Admin fee / account holder | $559 | $7,492-92.5% | $6,412-91.3% | $11,429-95.1% |