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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 | $190,065 | $64,729+193.6% | $112,263+69.3% | $68,490+177.5% |
| Participation rate | 28.9% | 67.2%-38.2pp | 75.1%-46.1pp | 67.9%-38.9pp |
| Annual return | -13.89% | -11.40%-2.5pp | 27.49%-41.4pp | -7.85%-6.0pp |
| Employer contribution / active EE | $2,364 | $2,746-13.9% | $3,636-35.0% | $2,597-9.0% |
| Participant deferral / active EE | $3,772 | $3,566+5.8% | $4,729-20.2% | $4,028-6.3% |
| Admin fee / account holder | $19,671 | $5,222+276.7% | $6,410+206.9% | $5,403+264.1% |