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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 | $38,105 | $49,280-22.7% | $67,313-43.4% | $64,173-40.6% |
| Participation rate | 26.7% | 60.8%-34.1pp | 69.1%-42.4pp | 69.6%-42.9pp |
| Annual return | -3.59% | -1.39%-2.2pp | -4.08%+0.5pp | 7.63%-11.2pp |
| Employer contribution / active EE | $956 | $1,668-42.7% | $2,566-62.8% | $2,381-59.9% |
| Participant deferral / active EE | $1,657 | $2,484-33.3% | $3,568-53.6% | $3,470-52.2% |
| Admin fee / account holder | $1,946 | $3,863-49.6% | $4,507-56.8% | $4,887-60.2% |