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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 | $43,957 | $73,009-39.8% | $90,760-51.6% | $68,486-35.8% |
| Participation rate | 58.6% | 70.8%-12.2pp | 75.7%-17.1pp | 67.9%-9.3pp |
| Annual return | -16.10% | -13.81%-2.3pp | -12.16%-3.9pp | -7.85%-8.2pp |
| Employer contribution / active EE | $635 | $2,193-71.0% | $2,922-78.3% | $2,597-75.5% |
| Participant deferral / active EE | $3,389 | $3,626-6.5% | $4,565-25.8% | $4,028-15.9% |
| Admin fee / account holder | $5,801 | $5,896-1.6% | $8,444-31.3% | $5,404+7.3% |