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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 | $49,706 | $138,075-64.0% | $123,552-59.8% | $135,379-63.3% |
| Participation rate | 46.2% | 84.7%-38.6pp | 82.3%-36.1pp | 82.6%-36.5pp |
| Annual return | -1.28% | 153.70%-155.0pp | 119.20%-120.5pp | 519.79%-521.1pp |
| Employer contribution / active EE | $3,940 | $5,152-23.5% | $4,628-14.9% | $4,779-17.6% |
| Participant deferral / active EE | $6,657 | $6,800-2.1% | $6,426+3.6% | $5,609+18.7% |
| Admin fee / account holder | $26,772 | $10,917+145.2% | $9,285+188.4% | $10,828+147.2% |