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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 | $207,539 | $106,557+94.8% | $91,227+127.5% | $134,545+54.3% |
| Participation rate | 21.1% | 76.8%-55.7pp | 73.2%-52.1pp | 81.2%-60.2pp |
| Annual return | -14.51% | 160.81%-175.3pp | 114.14%-128.6pp | 418.37%-432.9pp |
| Employer contribution / active EE | $1,959 | $3,332-41.2% | $2,851-31.3% | $4,742-58.7% |
| Participant deferral / active EE | $4,621 | $4,719-2.1% | $4,234+9.1% | $6,401-27.8% |
| Admin fee / account holder | $6,329 | $6,235+1.5% | $5,423+16.7% | $11,431-44.6% |