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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 | $110,423 | $45,872+140.7% | $77,096+43.2% | $68,486+61.2% |
| Participation rate | 59.3% | 55.9%+3.3pp | 67.9%-8.7pp | 67.9%-8.6pp |
| Annual return | -15.53% | 1.73%-17.3pp | 42.35%-57.9pp | -7.85%-7.7pp |
| Employer contribution / active EE | $943 | $1,650-42.9% | $2,814-66.5% | $2,597-63.7% |
| Participant deferral / active EE | $1,906 | $2,963-35.7% | $4,429-57.0% | $4,028-52.7% |
| Admin fee / account holder | $21,722 | $3,041+614.3% | $5,428+300.1% | $5,404+302.0% |