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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 | $112,491 | $75,962+48.1% | $154,108-27.0% | $64,173+75.3% |
| Participation rate | 67.7% | 70.4%-2.7pp | 83.0%-15.3pp | 69.6%-1.8pp |
| Annual return | -5.65% | 30.32%-36.0pp | 735.21%-740.9pp | 7.63%-13.3pp |
| Employer contribution / active EE | $2,647 | $3,350-21.0% | $5,298-50.0% | $2,381+11.2% |
| Participant deferral / active EE | $5,219 | $3,175+64.4% | $5,081+2.7% | $3,470+50.4% |
| Admin fee / account holder | $11,199 | $5,589+100.4% | $13,411-16.5% | $4,887+129.1% |