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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 | $36,408 | $45,872-20.6% | $77,096-52.8% | $68,486-46.8% |
| Participation rate | 25.7% | 55.9%-30.2pp | 67.9%-42.2pp | 67.9%-42.2pp |
| Annual return | -9.42% | 1.73%-11.1pp | 42.35%-51.8pp | -7.85%-1.6pp |
| Employer contribution / active EE | $766 | $1,650-53.6% | $2,814-72.8% | $2,597-70.5% |
| Participant deferral / active EE | $1,159 | $2,963-60.9% | $4,429-73.8% | $4,028-71.2% |
| Admin fee / account holder | $20,053 | $3,041+559.4% | $5,428+269.4% | $5,404+271.1% |