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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 | $133,690 | $64,729+106.5% | $112,263+19.1% | $68,490+95.2% |
| Participation rate | 46.2% | 67.2%-21.0pp | 75.1%-28.9pp | 67.9%-21.7pp |
| Annual return | -17.67% | -11.40%-6.3pp | 27.49%-45.2pp | -7.85%-9.8pp |
| Employer contribution / active EE | $1,258 | $2,746-54.2% | $3,636-65.4% | $2,597-51.6% |
| Participant deferral / active EE | $3,824 | $3,566+7.2% | $4,729-19.1% | $4,028-5.1% |
| Admin fee / account holder | $704 | $5,222-86.5% | $6,410-89.0% | $5,403-87.0% |