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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 | $48,449 | $88,603-45.3% | $69,890-30.7% | $134,545-64.0% |
| Participation rate | 40.0% | 74.9%-34.9pp | 70.5%-30.5pp | 81.2%-41.2pp |
| Annual return | -19.41% | 442.93%-462.3pp | 190.84%-210.3pp | 418.37%-437.8pp |
| Employer contribution / active EE | $3,497 | $3,236+8.1% | $2,560+36.6% | $4,742-26.2% |
| Participant deferral / active EE | $3,303 | $4,771-30.8% | $3,848-14.2% | $6,401-48.4% |
| Admin fee / account holder | $1,475 | $10,443-85.9% | $6,267-76.5% | $11,431-87.1% |