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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 | $181,122 | $73,009+148.1% | $90,760+99.6% | $68,486+164.5% |
| Participation rate | 48.6% | 70.8%-22.3pp | 75.7%-27.1pp | 67.9%-19.3pp |
| Annual return | -11.09% | -13.81%+2.7pp | -12.16%+1.1pp | -7.85%-3.2pp |
| Employer contribution / active EE | $1,263 | $2,193-42.4% | $2,922-56.8% | $2,597-51.4% |
| Participant deferral / active EE | $3,887 | $3,626+7.2% | $4,565-14.9% | $4,028-3.5% |
| Admin fee / account holder | $13,146 | $5,896+123.0% | $8,444+55.7% | $5,404+143.3% |