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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 | $146,591 | $54,370+169.6% | $82,763+77.1% | $68,490+114.0% |
| Participation rate | 67.7% | 63.9%+3.8pp | 72.6%-4.8pp | 67.9%-0.2pp |
| Annual return | -17.99% | -13.67%-4.3pp | 702.45%-720.4pp | -7.85%-10.1pp |
| Employer contribution / active EE | $2,509 | $2,219+13.1% | $3,008-16.6% | $2,597-3.4% |
| Participant deferral / active EE | $5,342 | $3,247+64.5% | $4,395+21.5% | $4,028+32.6% |
| Admin fee / account holder | $1,289 | $4,398-70.7% | $5,325-75.8% | $5,403-76.2% |