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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 | $15,684 | $138,078-88.6% | $125,363-87.5% | $134,509-88.3% |
| Participation rate | 60.0% | 84.5%-24.5pp | 82.4%-22.4pp | 81.2%-21.2pp |
| Annual return | -5.82% | 750.49%-756.3pp | 572.15%-578.0pp | 418.13%-424.0pp |
| Employer contribution / active EE | $3,909 | $5,245-25.5% | $4,815-18.8% | $4,741-17.5% |
| Participant deferral / active EE | $5,777 | $7,800-25.9% | $7,447-22.4% | $6,400-9.7% |
| Admin fee / account holder | $108,358 | $11,566+836.9% | $10,005+983.0% | $11,427+848.3% |