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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 | $158,394 | $92,766+70.7% | $82,763+91.4% | $134,545+17.7% |
| Participation rate | 20.0% | 75.2%-55.2pp | 72.6%-52.6pp | 81.2%-61.2pp |
| Annual return | -18.66% | 946.97%-965.6pp | 702.45%-721.1pp | 418.37%-437.0pp |
| Employer contribution / active EE | $3,774 | $3,273+15.3% | $3,008+25.4% | $4,742-20.4% |
| Participant deferral / active EE | $16,460 | $4,802+242.8% | $4,395+274.5% | $6,401+157.1% |
| Admin fee / account holder | $9,608 | $5,978+60.7% | $5,325+80.4% | $11,431-15.9% |