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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 | $189,319 | $133,998+41.3% | $112,263+68.6% | $134,545+40.7% |
| Participation rate | 63.6% | 78.6%-14.9pp | 75.1%-11.4pp | 81.2%-17.6pp |
| Annual return | -14.12% | 47.17%-61.3pp | 27.49%-41.6pp | 418.37%-432.5pp |
| Employer contribution / active EE | $3,650 | $4,040-9.7% | $3,636+0.4% | $4,742-23.0% |
| Participant deferral / active EE | $2,955 | $5,292-44.2% | $4,729-37.5% | $6,401-53.8% |
| Admin fee / account holder | $33,567 | $7,493+348.0% | $6,410+423.6% | $11,431+193.7% |