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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 | $50,397 | $49,897+1.0% | $80,648-37.5% | $75,177-33.0% |
| Participation rate | 30.8% | 55.3%-24.6pp | 67.0%-36.2pp | 67.2%-36.4pp |
| Annual return | 85.78% | 34.68%+51.1pp | 937.21%-851.4pp | 160.75%-75.0pp |
| Employer contribution / active EE | $535 | $1,699-68.5% | $2,724-80.4% | $2,671-80.0% |
| Participant deferral / active EE | $1,071 | $2,992-64.2% | $4,443-75.9% | $4,126-74.0% |
| Admin fee / account holder | $25,797 | $3,579+620.9% | $5,382+379.3% | $5,651+356.5% |