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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 | $148,315 | $91,537+62.0% | $130,045+14.0% | $75,173+97.3% |
| Participation rate | 62.5% | 71.5%-9.0pp | 78.5%-16.0pp | 67.2%-4.7pp |
| Annual return | 15.88% | -631.55%+647.4pp | -137.30%+153.2pp | 160.72%-144.8pp |
| Employer contribution / active EE | $2,180 | $2,845-23.4% | $4,321-49.6% | $2,671-18.4% |
| Participant deferral / active EE | $4,595 | $4,343+5.8% | $5,820-21.0% | $4,126+11.4% |
| Admin fee / account holder | $9,765 | $6,780+44.0% | $10,600-7.9% | $5,651+72.8% |