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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 | $66,774 | $106,557-37.3% | $91,227-26.8% | $134,545-50.4% |
| Participation rate | 60.0% | 76.8%-16.8pp | 73.2%-13.2pp | 81.2%-21.2pp |
| Annual return | -20.15% | 160.81%-181.0pp | 114.14%-134.3pp | 418.37%-438.5pp |
| Employer contribution / active EE | $2,046 | $3,332-38.6% | $2,851-28.2% | $4,742-56.8% |
| Participant deferral / active EE | $6,846 | $4,719+45.1% | $4,234+61.7% | $6,401+6.9% |
| Admin fee / account holder | $2,637 | $6,235-57.7% | $5,423-51.4% | $11,431-76.9% |