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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 | $106,431 | $54,355+95.8% | $82,744+28.6% | $68,486+55.4% |
| Participation rate | 60.0% | 63.9%-3.9pp | 72.6%-12.6pp | 67.9%-7.9pp |
| Annual return | -11.86% | -13.67%+1.8pp | 702.22%-714.1pp | -7.85%-4.0pp |
| Employer contribution / active EE | $2,512 | $2,219+13.2% | $3,008-16.5% | $2,597-3.3% |
| Participant deferral / active EE | $5,250 | $3,246+61.7% | $4,395+19.5% | $4,028+30.4% |
| Admin fee / account holder | $7,175 | $4,397+63.2% | $5,325+34.7% | $5,404+32.8% |