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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 | $96,421 | $95,979+0.5% | $74,551+29.3% | $135,380-28.8% |
| Participation rate | 66.7% | 75.7%-9.0pp | 69.1%-2.5pp | 82.6%-16.0pp |
| Annual return | -6.69% | 56.97%-63.7pp | 32.53%-39.2pp | 519.81%-526.5pp |
| Employer contribution / active EE | $2,262 | $2,716-16.7% | $1,961+15.4% | $4,779-52.7% |
| Participant deferral / active EE | $4,046 | $3,844+5.3% | $3,108+30.2% | $5,609-27.9% |
| Admin fee / account holder | $2,110 | $6,522-67.6% | $5,059-58.3% | $10,828-80.5% |