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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 | $19,760 | $49,280-59.9% | $67,313-70.6% | $64,173-69.2% |
| Participation rate | 40.0% | 60.8%-20.8pp | 69.1%-29.1pp | 69.6%-29.6pp |
| Annual return | -2.90% | -1.39%-1.5pp | -4.08%+1.2pp | 7.63%-10.5pp |
| Employer contribution / active EE | $337 | $1,668-79.8% | $2,566-86.8% | $2,381-85.8% |
| Participant deferral / active EE | $1,351 | $2,484-45.6% | $3,568-62.1% | $3,470-61.1% |
| Admin fee / account holder | $8,524 | $3,863+120.7% | $4,507+89.1% | $4,887+74.4% |