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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 | $38,102 | $54,162-29.7% | $68,612-44.5% | $64,173-40.6% |
| Participation rate | 47.5% | 68.1%-20.6pp | 72.2%-24.8pp | 69.6%-22.1pp |
| Annual return | -6.24% | -1.62%-4.6pp | -4.63%-1.6pp | 7.63%-13.9pp |
| Employer contribution / active EE | $654 | $1,846-64.6% | $2,625-75.1% | $2,381-72.5% |
| Participant deferral / active EE | $1,422 | $2,626-45.8% | $3,311-57.0% | $3,470-59.0% |
| Admin fee / account holder | $626 | $4,029-84.5% | $5,131-87.8% | $4,887-87.2% |