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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 | $15,085 | $45,872-67.1% | $77,096-80.4% | $68,486-78.0% |
| Participation rate | 58.1% | 55.9%+2.2pp | 67.9%-9.8pp | 67.9%-9.8pp |
| Annual return | -15.03% | 1.73%-16.8pp | 42.35%-57.4pp | -7.85%-7.2pp |
| Employer contribution / active EE | $1,473 | $1,650-10.7% | $2,814-47.7% | $2,597-43.3% |
| Participant deferral / active EE | $1,655 | $2,963-44.1% | $4,429-62.6% | $4,028-58.9% |
| Admin fee / account holder | $3,490 | $3,041+14.8% | $5,428-35.7% | $5,404-35.4% |