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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 | $49,478 | $50,947-2.9% | $74,551-33.6% | $64,173-22.9% |
| Participation rate | 64.3% | 61.1%+3.2pp | 69.1%-4.9pp | 69.6%-5.3pp |
| Annual return | -2.07% | -1.85%-0.2pp | 32.53%-34.6pp | 7.63%-9.7pp |
| Employer contribution / active EE | $862 | $1,115-22.7% | $1,961-56.0% | $2,381-63.8% |
| Participant deferral / active EE | $1,684 | $2,302-26.8% | $3,108-45.8% | $3,470-51.5% |
| Admin fee / account holder | $382 | $4,221-90.9% | $5,059-92.4% | $4,887-92.2% |