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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 | $93,505 | $84,464+10.7% | $61,399+52.3% | $134,509-30.5% |
| Participation rate | 50.0% | 62.2%-12.2pp | 52.6%-2.6pp | 81.2%-31.2pp |
| Annual return | -14.34% | 585.06%-599.4pp | 338.81%-353.2pp | 418.13%-432.5pp |
| Employer contribution / active EE | $8,602 | $1,545+456.9% | $1,159+641.9% | $4,741+81.4% |
| Participant deferral / active EE | $13,758 | $2,818+388.2% | $2,124+547.6% | $6,400+115.0% |
| Admin fee / account holder | $14,770 | $2,587+470.9% | $2,131+593.2% | $11,427+29.3% |