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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 | $88,681 | $90,320-1.8% | $59,496+49.1% | $125,388-29.3% |
| Participation rate | 58.8% | 68.3%-9.5pp | 54.6%+4.3pp | 83.2%-24.4pp |
| Annual return | -3.21% | 369.13%-372.3pp | 182.05%-185.3pp | 282.24%-285.4pp |
| Employer contribution / active EE | $1,373 | $1,792-23.4% | $1,153+19.1% | $4,866-71.8% |
| Participant deferral / active EE | $4,774 | $2,716+75.8% | $1,829+161.0% | $5,352-10.8% |
| Admin fee / account holder | $3,901 | $3,063+27.4% | $2,232+74.7% | $9,541-59.1% |