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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 | $103,253 | $48,235+114.1% | $68,803+50.1% | $68,490+50.8% |
| Participation rate | 46.2% | 60.7%-14.5pp | 69.0%-22.9pp | 67.9%-21.7pp |
| Annual return | -17.01% | -12.70%-4.3pp | -6.37%-10.6pp | -7.85%-9.2pp |
| Employer contribution / active EE | $1,324 | $1,829-27.6% | $2,656-50.2% | $2,597-49.0% |
| Participant deferral / active EE | $3,248 | $2,867+13.3% | $3,942-17.6% | $4,028-19.4% |
| Admin fee / account holder | $3,052 | $4,361-30.0% | $4,936-38.2% | $5,403-43.5% |