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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 | $64,791 | $92,684-30.1% | $82,706-21.7% | $134,509-51.8% |
| Participation rate | 63.2% | 75.2%-12.0pp | 72.6%-9.4pp | 81.2%-18.1pp |
| Annual return | 0.24% | 945.84%-945.6pp | 701.76%-701.5pp | 418.13%-417.9pp |
| Employer contribution / active EE | $2,951 | $3,272-9.8% | $3,007-1.9% | $4,741-37.8% |
| Participant deferral / active EE | $4,735 | $4,800-1.3% | $4,394+7.8% | $6,400-26.0% |
| Admin fee / account holder | $52,925 | $5,982+784.8% | $5,329+893.2% | $11,427+363.2% |