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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 | $56,644 | $77,816-27.2% | $123,552-54.2% | $64,173-11.7% |
| Participation rate | 64.5% | 74.7%-10.2pp | 82.3%-17.8pp | 69.6%-5.1pp |
| Annual return | -5.08% | 12.49%-17.6pp | 119.20%-124.3pp | 7.63%-12.7pp |
| Employer contribution / active EE | $2,362 | $3,014-21.6% | $4,628-49.0% | $2,381-0.8% |
| Participant deferral / active EE | $3,619 | $5,240-30.9% | $6,426-43.7% | $3,470+4.3% |
| Admin fee / account holder | $2,464 | $5,519-55.4% | $9,285-73.5% | $4,887-49.6% |