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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 | $93,333 | $92,219+1.2% | $76,767+21.6% | $135,380-31.1% |
| Participation rate | 54.5% | 79.8%-25.2pp | 77.0%-22.4pp | 82.6%-28.1pp |
| Annual return | -5.82% | 5.46%-11.3pp | 2.43%-8.2pp | 519.81%-525.6pp |
| Employer contribution / active EE | $2,185 | $3,216-32.0% | $2,485-12.1% | $4,779-54.3% |
| Participant deferral / active EE | $4,867 | $4,508+7.9% | $3,852+26.4% | $5,609-13.2% |
| Admin fee / account holder | $924 | $10,749-91.4% | $6,675-86.2% | $10,828-91.5% |