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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 | $141,833 | $92,684+53.0% | $82,706+71.5% | $134,509+5.4% |
| Participation rate | 36.4% | 75.2%-38.8pp | 72.6%-36.2pp | 81.2%-44.9pp |
| Annual return | -16.40% | 945.84%-962.2pp | 701.76%-718.2pp | 418.13%-434.5pp |
| Employer contribution / active EE | $1,148 | $3,272-64.9% | $3,007-61.8% | $4,741-75.8% |
| Participant deferral / active EE | $1,791 | $4,800-62.7% | $4,394-59.2% | $6,400-72.0% |
| Admin fee / account holder | $23,622 | $5,982+294.9% | $5,329+343.3% | $11,427+106.7% |