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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 | $88,311 | $95,979-8.0% | $74,551+18.5% | $135,380-34.8% |
| Participation rate | 61.1% | 75.7%-14.5pp | 69.1%-8.0pp | 82.6%-21.5pp |
| Annual return | -2.39% | 56.97%-59.4pp | 32.53%-34.9pp | 519.81%-522.2pp |
| Employer contribution / active EE | $1,091 | $2,716-59.8% | $1,961-44.3% | $4,779-77.2% |
| Participant deferral / active EE | $3,435 | $3,844-10.6% | $3,108+10.5% | $5,609-38.8% |
| Admin fee / account holder | $2,349 | $6,522-64.0% | $5,059-53.6% | $10,828-78.3% |