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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 | $12,544 | $42,383-70.4% | $76,518-83.6% | $64,173-80.5% |
| Participation rate | 35.6% | 58.1%-22.5pp | 68.0%-32.4pp | 69.6%-33.9pp |
| Annual return | -7.70% | -16.54%+8.8pp | -0.27%-7.4pp | 7.63%-15.3pp |
| Employer contribution / active EE | $474 | $1,563-69.7% | $2,647-82.1% | $2,381-80.1% |
| Participant deferral / active EE | $959 | $2,566-62.6% | $3,836-75.0% | $3,470-72.4% |
| Admin fee / account holder | $1,266 | $3,198-60.4% | $4,849-73.9% | $4,887-74.1% |