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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 | $48,667 | $93,124-47.7% | $77,100-36.9% | $134,545-63.8% |
| Participation rate | 66.7% | 74.5%-7.8pp | 67.9%-1.3pp | 81.2%-14.6pp |
| Annual return | -13.47% | 62.68%-76.1pp | 42.35%-55.8pp | 418.37%-431.8pp |
| Employer contribution / active EE | $3,983 | $3,421+16.4% | $2,815+41.5% | $4,742-16.0% |
| Participant deferral / active EE | $4,052 | $5,242-22.7% | $4,430-8.5% | $6,401-36.7% |
| Admin fee / account holder | $21,557 | $6,970+209.3% | $5,443+296.0% | $11,431+88.6% |