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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 | $84,098 | $62,589+34.4% | $76,768+9.5% | $64,173+31.0% |
| Participation rate | 55.0% | 72.8%-17.8pp | 77.0%-22.0pp | 69.6%-14.6pp |
| Annual return | -5.50% | -1.95%-3.6pp | 2.43%-7.9pp | 7.63%-13.1pp |
| Employer contribution / active EE | $442 | $1,832-75.9% | $2,485-82.2% | $2,381-81.4% |
| Participant deferral / active EE | $2,492 | $3,145-20.8% | $3,852-35.3% | $3,470-28.2% |
| Admin fee / account holder | $1,252 | $4,667-73.2% | $6,675-81.2% | $4,887-74.4% |