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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 | $41,105 | $50,947-19.3% | $74,551-44.9% | $64,173-35.9% |
| Participation rate | 47.1% | 61.1%-14.0pp | 69.1%-22.1pp | 69.6%-22.5pp |
| Annual return | -7.04% | -1.85%-5.2pp | 32.53%-39.6pp | 7.63%-14.7pp |
| Employer contribution / active EE | $1,068 | $1,115-4.3% | $1,961-45.6% | $2,381-55.2% |
| Participant deferral / active EE | $1,464 | $2,302-36.4% | $3,108-52.9% | $3,470-57.8% |
| Admin fee / account holder | $3,401 | $4,221-19.4% | $5,059-32.8% | $4,887-30.4% |