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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 | $101,682 | $59,813+70.0% | $79,580+27.8% | $68,486+48.5% |
| Participation rate | 37.5% | 61.1%-23.6pp | 69.5%-32.0pp | 67.9%-30.4pp |
| Annual return | -11.47% | -12.30%+0.8pp | 0.15%-11.6pp | -7.85%-3.6pp |
| Employer contribution / active EE | $1,235 | $1,505-17.9% | $2,413-48.8% | $2,597-52.4% |
| Participant deferral / active EE | $2,110 | $3,024-30.2% | $3,985-47.1% | $4,028-47.6% |
| Admin fee / account holder | $5,274 | $4,835+9.1% | $6,835-22.8% | $5,404-2.4% |