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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 | $39,616 | $50,958-22.3% | $74,552-46.9% | $64,181-38.3% |
| Participation rate | 54.4% | 61.1%-6.7pp | 69.1%-14.8pp | 69.6%-15.2pp |
| Annual return | -3.90% | -1.86%-2.0pp | 32.53%-36.4pp | 7.63%-11.5pp |
| Employer contribution / active EE | $461 | $1,115-58.6% | $1,961-76.5% | $2,381-80.6% |
| Participant deferral / active EE | $2,578 | $2,301+12.0% | $3,108-17.0% | $3,470-25.7% |
| Admin fee / account holder | $309 | $4,223-92.7% | $5,060-93.9% | $4,887-93.7% |