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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 | $83,667 | $95,975-12.8% | $74,549+12.2% | $135,379-38.2% |
| Participation rate | 63.6% | 75.7%-12.0pp | 69.1%-5.5pp | 82.6%-19.0pp |
| Annual return | -4.96% | 56.96%-61.9pp | 32.53%-37.5pp | 519.79%-524.7pp |
| Employer contribution / active EE | $2,174 | $2,716-20.0% | $1,961+10.8% | $4,779-54.5% |
| Participant deferral / active EE | $5,581 | $3,844+45.2% | $3,108+79.5% | $5,609-0.5% |
| Admin fee / account holder | $36,212 | $6,522+455.3% | $5,059+615.8% | $10,828+234.4% |