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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 | $30,486 | $62,589-51.3% | $76,768-60.3% | $64,173-52.5% |
| Participation rate | 44.7% | 72.8%-28.1pp | 77.0%-32.2pp | 69.6%-24.8pp |
| Annual return | -4.25% | -1.95%-2.3pp | 2.43%-6.7pp | 7.63%-11.9pp |
| Employer contribution / active EE | $1,032 | $1,832-43.7% | $2,485-58.5% | $2,381-56.7% |
| Participant deferral / active EE | $1,744 | $3,145-44.5% | $3,852-54.7% | $3,470-49.7% |
| Admin fee / account holder | $1,876 | $4,667-59.8% | $6,675-71.9% | $4,887-61.6% |