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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 | $169,662 | $75,962+123.4% | $154,108+10.1% | $64,173+164.4% |
| Participation rate | 64.5% | 70.4%-5.9pp | 83.0%-18.5pp | 69.6%-5.1pp |
| Annual return | -7.44% | 30.32%-37.8pp | 735.21%-742.6pp | 7.63%-15.1pp |
| Employer contribution / active EE | $3,969 | $3,350+18.5% | $5,298-25.1% | $2,381+66.7% |
| Participant deferral / active EE | $4,907 | $3,175+54.6% | $5,081-3.4% | $3,470+41.4% |
| Admin fee / account holder | $9,728 | $5,589+74.1% | $13,411-27.5% | $4,887+99.0% |