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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 | $64,920 | $138,078-53.0% | $125,363-48.2% | $134,509-51.7% |
| Participation rate | 42.9% | 84.5%-41.6pp | 82.4%-39.5pp | 81.2%-38.4pp |
| Annual return | -6.74% | 750.49%-757.2pp | 572.15%-578.9pp | 418.13%-424.9pp |
| Employer contribution / active EE | $2,158 | $5,245-58.9% | $4,815-55.2% | $4,741-54.5% |
| Participant deferral / active EE | $4,031 | $7,800-48.3% | $7,447-45.9% | $6,400-37.0% |
| Admin fee / account holder | $82,891 | $11,566+616.7% | $10,005+728.5% | $11,427+625.4% |