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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 | $94,369 | $95,975-1.7% | $74,552+26.6% | $135,382-30.3% |
| Participation rate | 55.0% | 75.7%-20.7pp | 69.1%-14.1pp | 82.6%-27.6pp |
| Annual return | -5.73% | 56.96%-62.7pp | 32.53%-38.3pp | 519.77%-525.5pp |
| Employer contribution / active EE | $1,265 | $2,716-53.4% | $1,961-35.5% | $4,779-73.5% |
| Participant deferral / active EE | $2,538 | $3,844-34.0% | $3,108-18.3% | $5,609-54.8% |
| Admin fee / account holder | $27,925 | $6,522+328.2% | $5,060+451.9% | $10,829+157.9% |