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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 | $49,070 | $45,872+7.0% | $77,096-36.4% | $68,486-28.3% |
| Participation rate | 36.7% | 55.9%-19.2pp | 67.9%-31.2pp | 67.9%-31.2pp |
| Annual return | -18.58% | 1.73%-20.3pp | 42.35%-60.9pp | -7.85%-10.7pp |
| Employer contribution / active EE | $935 | $1,650-43.3% | $2,814-66.8% | $2,597-64.0% |
| Participant deferral / active EE | $1,551 | $2,963-47.6% | $4,429-65.0% | $4,028-61.5% |
| Admin fee / account holder | $8,447 | $3,041+177.8% | $5,428+55.6% | $5,404+56.3% |