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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 | $9,882 | $32,037-69.2% | $69,182-85.7% | $62,881-84.3% |
| Participation rate | 39.5% | 43.4%-3.9pp | 55.1%-15.6pp | 69.3%-29.8pp |
| Annual return | 9.76% | 15.16%-5.4pp | -21.93%+31.7pp | 20.14%-10.4pp |
| Employer contribution / active EE | $456 | $679-32.9% | $1,206-62.2% | $2,281-80.0% |
| Participant deferral / active EE | $1,006 | $1,185-15.2% | $1,897-47.0% | $3,203-68.6% |
| Admin fee / account holder | $1,124 | $2,608-56.9% | $2,697-58.3% | $4,296-73.8% |