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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 | $172,923 | $92,684+86.6% | $82,706+109.1% | $134,509+28.6% |
| Participation rate | 22.2% | 75.2%-53.0pp | 72.6%-50.3pp | 81.2%-59.0pp |
| Annual return | -17.13% | 945.84%-963.0pp | 701.76%-718.9pp | 418.13%-435.3pp |
| Employer contribution / active EE | $1,168 | $3,272-64.3% | $3,007-61.2% | $4,741-75.4% |
| Participant deferral / active EE | $2,799 | $4,800-41.7% | $4,394-36.3% | $6,400-56.3% |
| Admin fee / account holder | $383 | $5,982-93.6% | $5,329-92.8% | $11,427-96.7% |