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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 | $36,780 | $50,947-27.8% | $74,551-50.7% | $64,173-42.7% |
| Participation rate | 32.4% | 61.1%-28.7pp | 69.1%-36.8pp | 69.6%-37.2pp |
| Annual return | -6.92% | -1.85%-5.1pp | 32.53%-39.5pp | 7.63%-14.6pp |
| Employer contribution / active EE | $764 | $1,115-31.5% | $1,961-61.0% | $2,381-67.9% |
| Participant deferral / active EE | $1,227 | $2,302-46.7% | $3,108-60.5% | $3,470-64.6% |
| Admin fee / account holder | $1,188 | $4,221-71.9% | $5,059-76.5% | $4,887-75.7% |