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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 | $128,442 | $133,981-4.1% | $112,249+14.4% | $134,532-4.5% |
| Participation rate | 66.7% | 78.6%-11.9pp | 75.1%-8.4pp | 81.2%-14.6pp |
| Annual return | -14.55% | 47.16%-61.7pp | 27.48%-42.0pp | 418.27%-432.8pp |
| Employer contribution / active EE | $2,993 | $4,040-25.9% | $3,636-17.7% | $4,741-36.9% |
| Participant deferral / active EE | $7,736 | $5,292+46.2% | $4,729+63.6% | $6,401+20.9% |
| Admin fee / account holder | $1,195 | $7,492-84.1% | $6,412-81.4% | $11,429-89.5% |