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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 | $113,716 | $106,551+6.7% | $91,225+24.7% | $134,532-15.5% |
| Participation rate | 53.8% | 76.8%-23.0pp | 73.2%-19.4pp | 81.2%-27.4pp |
| Annual return | -15.76% | 160.78%-176.5pp | 114.12%-129.9pp | 418.27%-434.0pp |
| Employer contribution / active EE | $1,310 | $3,331-60.7% | $2,851-54.1% | $4,741-72.4% |
| Participant deferral / active EE | $4,963 | $4,718+5.2% | $4,233+17.2% | $6,401-22.5% |
| Admin fee / account holder | $1,155 | $6,234-81.5% | $5,422-78.7% | $11,429-89.9% |