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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 | $92,465 | $100,805-8.3% | $86,698+6.7% | $134,532-31.3% |
| Participation rate | 54.5% | 79.0%-24.4pp | 76.6%-22.0pp | 81.2%-26.7pp |
| Annual return | -16.28% | 29.09%-45.4pp | 35.95%-52.2pp | 418.27%-434.5pp |
| Employer contribution / active EE | $1,926 | $3,490-44.8% | $2,837-32.1% | $4,741-59.4% |
| Participant deferral / active EE | $4,314 | $5,339-19.2% | $4,656-7.3% | $6,401-32.6% |
| Admin fee / account holder | $42,660 | $10,925+290.5% | $7,493+469.4% | $11,429+273.3% |