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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 | $66,665 | $92,743-28.1% | $82,744-19.4% | $134,532-50.4% |
| Participation rate | 42.9% | 75.2%-32.3pp | 72.6%-29.7pp | 81.2%-38.4pp |
| Annual return | -13.78% | 946.63%-960.4pp | 702.22%-716.0pp | 418.27%-432.0pp |
| Employer contribution / active EE | $1,723 | $3,273-47.3% | $3,008-42.7% | $4,741-63.7% |
| Participant deferral / active EE | $4,527 | $4,802-5.7% | $4,395+3.0% | $6,401-29.3% |
| Admin fee / account holder | $7,351 | $5,977+23.0% | $5,325+38.1% | $11,429-35.7% |