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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 | $97,824 | $81,870+19.5% | $119,608-18.2% | $68,495+42.8% |
| Participation rate | 56.5% | 71.9%-15.4pp | 79.3%-22.7pp | 67.9%-11.4pp |
| Annual return | -18.74% | -23.82%+5.1pp | -14.98%-3.8pp | -7.84%-10.9pp |
| Employer contribution / active EE | $2,932 | $2,692+8.9% | $4,232-30.7% | $2,596+12.9% |
| Participant deferral / active EE | $4,196 | $4,148+1.2% | $5,601-25.1% | $4,028+4.2% |
| Admin fee / account holder | $2,330 | $6,583-64.6% | $10,326-77.4% | $5,403-56.9% |