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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 | $78,669 | $95,979-18.0% | $74,551+5.5% | $135,380-41.9% |
| Participation rate | 63.6% | 75.7%-12.0pp | 69.1%-5.5pp | 82.6%-19.0pp |
| Annual return | -8.15% | 56.97%-65.1pp | 32.53%-40.7pp | 519.81%-528.0pp |
| Employer contribution / active EE | $1,423 | $2,716-47.6% | $1,961-27.5% | $4,779-70.2% |
| Participant deferral / active EE | $4,152 | $3,844+8.0% | $3,108+33.6% | $5,609-26.0% |
| Admin fee / account holder | $14,278 | $6,522+118.9% | $5,059+182.2% | $10,828+31.9% |