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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 | $91,783 | $93,117-1.4% | $77,096+19.1% | $134,532-31.8% |
| Participation rate | 57.1% | 74.5%-17.4pp | 67.9%-10.8pp | 81.2%-24.1pp |
| Annual return | -14.04% | 62.67%-76.7pp | 42.35%-56.4pp | 418.27%-432.3pp |
| Employer contribution / active EE | $1,785 | $3,420-47.8% | $2,814-36.6% | $4,741-62.3% |
| Participant deferral / active EE | $3,812 | $5,241-27.3% | $4,429-13.9% | $6,401-40.4% |
| Admin fee / account holder | $2,285 | $6,948-67.1% | $5,428-57.9% | $11,429-80.0% |