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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 | $19,239 | $92,766-79.3% | $82,763-76.8% | $134,545-85.7% |
| Participation rate | 54.5% | 75.2%-20.7pp | 72.6%-18.0pp | 81.2%-26.7pp |
| Annual return | -2.46% | 946.97%-949.4pp | 702.45%-704.9pp | 418.37%-420.8pp |
| Employer contribution / active EE | $2,369 | $3,273-27.6% | $3,008-21.3% | $4,742-50.0% |
| Participant deferral / active EE | $3,208 | $4,802-33.2% | $4,395-27.0% | $6,401-49.9% |
| Admin fee / account holder | $26,922 | $5,978+350.4% | $5,325+405.6% | $11,431+135.5% |