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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 | $151,162 | $59,834+152.6% | $79,576+90.0% | $68,495+120.7% |
| Participation rate | 34.6% | 61.1%-26.4pp | 69.5%-34.9pp | 67.9%-33.3pp |
| Annual return | -16.90% | -12.30%-4.6pp | 0.15%-17.0pp | -7.84%-9.1pp |
| Employer contribution / active EE | $1,345 | $1,505-10.6% | $2,413-44.3% | $2,596-48.2% |
| Participant deferral / active EE | $2,646 | $3,024-12.5% | $3,985-33.6% | $4,028-34.3% |
| Admin fee / account holder | $57,234 | $4,835+1083.7% | $6,834+737.5% | $5,403+959.2% |