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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 | $199,866 | $190,879+4.7% | $160,009+24.9% | $134,532+48.6% |
| Participation rate | 66.7% | 82.0%-15.3pp | 78.0%-11.3pp | 81.2%-14.6pp |
| Annual return | -16.73% | 552.63%-569.4pp | 408.85%-425.6pp | 418.27%-435.0pp |
| Employer contribution / active EE | $3,419 | $4,995-31.6% | $4,225-19.1% | $4,741-27.9% |
| Participant deferral / active EE | $5,926 | $6,924-14.4% | $6,183-4.2% | $6,401-7.4% |
| Admin fee / account holder | $8,726 | $10,495-16.9% | $8,715+0.1% | $11,429-23.6% |