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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 | $79,653 | $82,678-3.7% | $125,391-36.5% | $68,490+16.3% |
| Participation rate | 54.7% | 75.1%-20.3pp | 82.4%-27.7pp | 67.9%-13.2pp |
| Annual return | -18.40% | -5.97%-12.4pp | 572.41%-590.8pp | -7.85%-10.6pp |
| Employer contribution / active EE | $1,756 | $3,382-48.1% | $4,816-63.5% | $2,597-32.4% |
| Participant deferral / active EE | $3,649 | $6,111-40.3% | $7,448-51.0% | $4,028-9.4% |
| Admin fee / account holder | $16,116 | $6,277+156.7% | $10,009+61.0% | $5,403+198.3% |