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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 | $104,140 | $106,557-2.3% | $91,227+14.2% | $134,545-22.6% |
| Participation rate | 50.0% | 76.8%-26.8pp | 73.2%-23.2pp | 81.2%-31.2pp |
| Annual return | -10.94% | 160.81%-171.8pp | 114.14%-125.1pp | 418.37%-429.3pp |
| Employer contribution / active EE | $1,284 | $3,332-61.5% | $2,851-55.0% | $4,742-72.9% |
| Participant deferral / active EE | $4,663 | $4,719-1.2% | $4,234+10.1% | $6,401-27.2% |
| Admin fee / account holder | $418 | $6,235-93.3% | $5,423-92.3% | $11,431-96.3% |