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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 | $117,631 | $97,732+20.4% | $83,831+40.3% | $135,380-13.1% |
| Participation rate | 53.8% | 80.0%-26.1pp | 76.1%-22.3pp | 82.6%-28.8pp |
| Annual return | -8.76% | 1287.56%-1296.3pp | 850.99%-859.8pp | 519.81%-528.6pp |
| Employer contribution / active EE | $1,946 | $4,222-53.9% | $3,631-46.4% | $4,779-59.3% |
| Participant deferral / active EE | $4,404 | $4,683-6.0% | $4,082+7.9% | $5,609-21.5% |
| Admin fee / account holder | $26,886 | $6,675+302.8% | $5,479+390.7% | $10,828+148.3% |