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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 | $44,175 | $75,962-41.8% | $154,111-71.3% | $64,173-31.2% |
| Participation rate | 51.7% | 70.4%-18.7pp | 83.0%-31.3pp | 69.6%-17.8pp |
| Annual return | -1.64% | 30.32%-32.0pp | 735.18%-736.8pp | 7.63%-9.3pp |
| Employer contribution / active EE | $1,047 | $3,350-68.7% | $5,298-80.2% | $2,381-56.0% |
| Participant deferral / active EE | $2,164 | $3,175-31.8% | $5,081-57.4% | $3,470-37.6% |
| Admin fee / account holder | $36,427 | $5,589+551.8% | $13,411+171.6% | $4,887+645.3% |