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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 | $156,204 | $92,766+68.4% | $82,763+88.7% | $134,545+16.1% |
| Participation rate | 44.4% | 75.2%-30.8pp | 72.6%-28.1pp | 81.2%-36.8pp |
| Annual return | -18.52% | 946.97%-965.5pp | 702.45%-721.0pp | 418.37%-436.9pp |
| Employer contribution / active EE | $1,061 | $3,273-67.6% | $3,008-64.7% | $4,742-77.6% |
| Participant deferral / active EE | $6,483 | $4,802+35.0% | $4,395+47.5% | $6,401+1.3% |
| Admin fee / account holder | $3,243 | $5,978-45.8% | $5,325-39.1% | $11,431-71.6% |