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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 | $138,932 | $102,393+35.7% | $147,041-5.5% | $80,911+71.7% |
| Participation rate | 50.0% | 75.9%-25.9pp | 82.2%-32.2pp | 67.6%-17.6pp |
| Annual return | 20.49% | 134.95%-114.5pp | 419.21%-398.7pp | 35.63%-15.1pp |
| Employer contribution / active EE | $2,313 | $3,715-37.7% | $4,935-53.1% | $2,756-16.1% |
| Participant deferral / active EE | $3,366 | $6,647-49.4% | $8,071-58.3% | $4,297-21.7% |
| Admin fee / account holder | $48,792 | $7,943+514.2% | $13,006+275.1% | $6,935+603.6% |