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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 | $136,936 | $56,484+142.4% | $169,452-19.2% | $64,173+113.4% |
| Participation rate | 64.0% | 64.5%-0.5pp | 77.8%-13.8pp | 69.6%-5.6pp |
| Annual return | -5.54% | -1.55%-4.0pp | 1.83%-7.4pp | 7.63%-13.2pp |
| Employer contribution / active EE | $2,307 | $1,832+25.9% | $4,157-44.5% | $2,381-3.1% |
| Participant deferral / active EE | $4,693 | $3,448+36.1% | $5,277-11.1% | $3,470+35.3% |
| Admin fee / account holder | $21,504 | $4,174+415.2% | $9,110+136.1% | $4,887+340.0% |