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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 | $34,605 | $42,910-19.4% | $60,919-43.2% | $68,490-49.5% |
| Participation rate | 35.8% | 66.8%-31.0pp | 73.1%-37.3pp | 67.9%-32.1pp |
| Annual return | -9.71% | -13.99%+4.3pp | 16.96%-26.7pp | -7.85%-1.9pp |
| Employer contribution / active EE | $396 | $1,978-80.0% | $2,704-85.4% | $2,597-84.8% |
| Participant deferral / active EE | $1,945 | $2,866-32.1% | $3,814-49.0% | $4,028-51.7% |
| Admin fee / account holder | $18,824 | $3,104+506.3% | $3,228+483.2% | $5,403+248.4% |