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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 | $107,850 | $152,591-29.3% | $117,529-8.2% | $134,545-19.8% |
| Participation rate | 68.8% | 77.1%-8.4pp | 70.6%-1.9pp | 81.2%-12.5pp |
| Annual return | -17.20% | 53.04%-70.2pp | 29.77%-47.0pp | 418.37%-435.6pp |
| Employer contribution / active EE | $1,634 | $5,576-70.7% | $4,179-60.9% | $4,742-65.5% |
| Participant deferral / active EE | $4,627 | $4,821-4.0% | $4,072+13.6% | $6,401-27.7% |
| Admin fee / account holder | $21,740 | $7,004+210.4% | $5,645+285.1% | $11,431+90.2% |