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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 | $92,407 | $80,812+14.3% | $160,784-42.5% | $82,448+12.1% |
| Participation rate | 51.4% | 66.2%-14.8pp | 77.0%-25.5pp | 68.1%-16.6pp |
| Annual return | 13.50% | 100.59%-87.1pp | 1803.92%-1790.4pp | 41.64%-28.1pp |
| Employer contribution / active EE | $1,150 | $2,174-47.1% | $3,733-69.2% | $2,551-54.9% |
| Participant deferral / active EE | $4,251 | $4,335-1.9% | $6,293-32.4% | $4,139+2.7% |
| Admin fee / account holder | $29,275 | $7,695+280.4% | $9,717+201.3% | $7,234+304.7% |