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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 | $102,880 | $92,743+10.9% | $82,744+24.3% | $134,532-23.5% |
| Participation rate | 50.0% | 75.2%-25.2pp | 72.6%-22.6pp | 81.2%-31.2pp |
| Annual return | -15.40% | 946.63%-962.0pp | 702.22%-717.6pp | 418.27%-433.7pp |
| Employer contribution / active EE | $2,456 | $3,273-25.0% | $3,008-18.4% | $4,741-48.2% |
| Participant deferral / active EE | $5,160 | $4,802+7.5% | $4,395+17.4% | $6,401-19.4% |
| Admin fee / account holder | $21,355 | $5,977+257.3% | $5,325+301.1% | $11,429+86.9% |