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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 | $83,015 | $73,848+12.4% | $143,799-42.3% | $68,486+21.2% |
| Participation rate | 42.9% | 66.7%-23.8pp | 80.3%-37.5pp | 67.9%-25.0pp |
| Annual return | -13.17% | 0.91%-14.1pp | -0.04%-13.1pp | -7.85%-5.3pp |
| Employer contribution / active EE | $2,004 | $3,184-37.1% | $4,952-59.5% | $2,597-22.8% |
| Participant deferral / active EE | $3,928 | $3,385+16.0% | $5,638-30.3% | $4,028-2.5% |
| Admin fee / account holder | $3,991 | $5,755-30.6% | $14,677-72.8% | $5,404-26.1% |