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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 | $38,720 | $42,383-8.6% | $76,518-49.4% | $64,173-39.7% |
| Participation rate | 64.3% | 58.1%+6.1pp | 68.0%-3.7pp | 69.6%-5.3pp |
| Annual return | -1.38% | -16.54%+15.2pp | -0.27%-1.1pp | 7.63%-9.0pp |
| Employer contribution / active EE | $1,043 | $1,563-33.3% | $2,647-60.6% | $2,381-56.2% |
| Participant deferral / active EE | $2,833 | $2,566+10.4% | $3,836-26.1% | $3,470-18.4% |
| Admin fee / account holder | $22,446 | $3,198+601.9% | $4,849+362.9% | $4,887+359.3% |