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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 | $125,231 | $92,684+35.1% | $82,706+51.4% | $134,509-6.9% |
| Participation rate | 50.0% | 75.2%-25.2pp | 72.6%-22.6pp | 81.2%-31.2pp |
| Annual return | -18.29% | 945.84%-964.1pp | 701.76%-720.1pp | 418.13%-436.4pp |
| Employer contribution / active EE | $1,067 | $3,272-67.4% | $3,007-64.5% | $4,741-77.5% |
| Participant deferral / active EE | $7,917 | $4,800+64.9% | $4,394+80.2% | $6,400+23.7% |
| Admin fee / account holder | $1,562 | $5,982-73.9% | $5,329-70.7% | $11,427-86.3% |