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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 | $88,871 | $100,811-11.8% | $86,698+2.5% | $134,545-33.9% |
| Participation rate | 68.4% | 79.0%-10.5pp | 76.6%-8.2pp | 81.2%-12.8pp |
| Annual return | -15.21% | 29.11%-44.3pp | 35.96%-51.2pp | 418.37%-433.6pp |
| Employer contribution / active EE | $2,589 | $3,490-25.8% | $2,837-8.8% | $4,742-45.4% |
| Participant deferral / active EE | $4,578 | $5,339-14.3% | $4,656-1.7% | $6,401-28.5% |
| Admin fee / account holder | $3,529 | $10,926-67.7% | $7,492-52.9% | $11,431-69.1% |