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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 | $176,888 | $180,466-2.0% | $154,114+14.8% | $135,382+30.7% |
| Participation rate | 66.7% | 87.4%-20.8pp | 83.0%-16.4pp | 82.6%-16.0pp |
| Annual return | -5.18% | 888.15%-893.3pp | 735.16%-740.3pp | 519.77%-524.9pp |
| Employer contribution / active EE | $2,695 | $6,035-55.3% | $5,298-49.1% | $4,779-43.6% |
| Participant deferral / active EE | $5,762 | $5,806-0.8% | $5,081+13.4% | $5,609+2.7% |
| Admin fee / account holder | $4,211 | $16,144-73.9% | $13,411-68.6% | $10,829-61.1% |