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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 | $64,614 | $57,352+12.7% | $83,831-22.9% | $64,173+0.7% |
| Participation rate | 64.5% | 68.6%-4.1pp | 76.1%-11.6pp | 69.6%-5.1pp |
| Annual return | -5.84% | 11.38%-17.2pp | 850.99%-856.8pp | 7.63%-13.5pp |
| Employer contribution / active EE | $3,785 | $2,546+48.7% | $3,631+4.2% | $2,381+59.0% |
| Participant deferral / active EE | $3,558 | $2,993+18.9% | $4,082-12.8% | $3,470+2.6% |
| Admin fee / account holder | $20,354 | $4,046+403.1% | $5,479+271.5% | $4,887+316.5% |