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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 | $78,474 | $50,947+54.0% | $74,549+5.3% | $64,173+22.3% |
| Participation rate | 65.4% | 61.1%+4.3pp | 69.1%-3.8pp | 69.6%-4.2pp |
| Annual return | -4.28% | -1.85%-2.4pp | 32.53%-36.8pp | 7.63%-11.9pp |
| Employer contribution / active EE | $598 | $1,115-46.4% | $1,961-69.5% | $2,381-74.9% |
| Participant deferral / active EE | $1,859 | $2,302-19.2% | $3,108-40.2% | $3,470-46.4% |
| Admin fee / account holder | $2,505 | $4,221-40.6% | $5,059-50.5% | $4,887-48.7% |