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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 | $22,643 | $50,947-55.6% | $74,551-69.6% | $64,173-64.7% |
| Participation rate | 57.4% | 61.1%-3.6pp | 69.1%-11.7pp | 69.6%-12.1pp |
| Annual return | -5.82% | -1.85%-4.0pp | 32.53%-38.4pp | 7.63%-13.4pp |
| Employer contribution / active EE | $1,379 | $1,115+23.6% | $1,961-29.7% | $2,381-42.1% |
| Participant deferral / active EE | $1,946 | $2,302-15.4% | $3,108-37.4% | $3,470-43.9% |
| Admin fee / account holder | $8,481 | $4,221+100.9% | $5,059+67.6% | $4,887+73.5% |