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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 | $96,373 | $95,979+0.4% | $74,551+29.3% | $135,380-28.8% |
| Participation rate | 63.6% | 75.7%-12.0pp | 69.1%-5.5pp | 82.6%-19.0pp |
| Annual return | -6.93% | 56.97%-63.9pp | 32.53%-39.5pp | 519.81%-526.7pp |
| Employer contribution / active EE | $1,419 | $2,716-47.8% | $1,961-27.6% | $4,779-70.3% |
| Participant deferral / active EE | $3,946 | $3,844+2.7% | $3,108+26.9% | $5,609-29.7% |
| Admin fee / account holder | $3,798 | $6,522-41.8% | $5,059-24.9% | $10,828-64.9% |