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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 | $74,935 | $90,606-17.3% | $79,466-5.7% | $135,379-44.6% |
| Participation rate | 61.5% | 76.0%-14.5pp | 73.3%-11.8pp | 82.6%-21.1pp |
| Annual return | -3.23% | 977.69%-980.9pp | 718.28%-721.5pp | 519.79%-523.0pp |
| Employer contribution / active EE | $4,684 | $3,068+52.7% | $2,800+67.3% | $4,779-2.0% |
| Participant deferral / active EE | $6,267 | $4,050+54.7% | $3,704+69.2% | $5,609+11.7% |
| Admin fee / account holder | $1,901 | $5,895-67.8% | $5,104-62.8% | $10,828-82.4% |