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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 | $28,126 | $38,595-27.1% | $80,004-64.8% | $52,331-46.3% |
| Participation rate | 65.3% | 64.5%+0.8pp | 73.0%-7.7pp | 68.1%-2.8pp |
| Annual return | -0.92% | 2.04%-3.0pp | 7.63%-8.5pp | 4.54%-5.5pp |
| Employer contribution / active EE | $1,385 | $1,133+22.3% | $2,473-44.0% | $1,882-26.4% |
| Participant deferral / active EE | $2,494 | $2,318+7.6% | $3,204-22.2% | $3,022-17.5% |
| Admin fee / account holder | $4,040 | $304+1227.8% | $5,033-19.7% | $592+582.9% |