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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 | $61,974 | $90,607-31.6% | $79,467-22.0% | $135,380-54.2% |
| Participation rate | 37.5% | 76.0%-38.5pp | 73.3%-35.8pp | 82.6%-45.1pp |
| Annual return | -5.29% | 977.74%-983.0pp | 718.30%-723.6pp | 519.81%-525.1pp |
| Employer contribution / active EE | $1,024 | $3,068-66.6% | $2,800-63.4% | $4,779-78.6% |
| Participant deferral / active EE | $4,051 | $4,0500% | $3,704+9.4% | $5,609-27.8% |
| Admin fee / account holder | $1,072 | $5,895-81.8% | $5,104-79.0% | $10,828-90.1% |