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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 | $196,833 | $90,607+117.2% | $79,467+147.7% | $135,380+45.4% |
| Participation rate | 36.4% | 76.0%-39.7pp | 73.3%-37.0pp | 82.6%-46.3pp |
| Annual return | -4.02% | 977.74%-981.8pp | 718.30%-722.3pp | 519.81%-523.8pp |
| Employer contribution / active EE | $1,797 | $3,068-41.4% | $2,800-35.8% | $4,779-62.4% |
| Participant deferral / active EE | $4,405 | $4,050+8.7% | $3,704+18.9% | $5,609-21.5% |
| Admin fee / account holder | $21,053 | $5,895+257.1% | $5,104+312.5% | $10,828+94.4% |