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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 | $217,928 | $138,102+57.8% | $125,381+73.8% | $134,532+62.0% |
| Participation rate | 60.0% | 84.5%-24.5pp | 82.4%-22.4pp | 81.2%-21.2pp |
| Annual return | -16.62% | 750.73%-767.3pp | 572.31%-588.9pp | 418.27%-434.9pp |
| Employer contribution / active EE | $4,469 | $5,245-14.8% | $4,815-7.2% | $4,741-5.7% |
| Participant deferral / active EE | $9,442 | $7,801+21.0% | $7,448+26.8% | $6,401+47.5% |
| Admin fee / account holder | $1,659 | $11,568-85.7% | $10,007-83.4% | $11,429-85.5% |