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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 | $122,408 | $95,979+27.5% | $74,551+64.2% | $135,380-9.6% |
| Participation rate | 44.4% | 75.7%-31.2pp | 69.1%-24.7pp | 82.6%-38.2pp |
| Annual return | -4.01% | 56.97%-61.0pp | 32.53%-36.5pp | 519.81%-523.8pp |
| Employer contribution / active EE | $867 | $2,716-68.1% | $1,961-55.8% | $4,779-81.9% |
| Participant deferral / active EE | $3,798 | $3,844-1.2% | $3,108+22.2% | $5,609-32.3% |
| Admin fee / account holder | $22,176 | $6,522+240.0% | $5,059+338.3% | $10,828+104.8% |