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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 | $176,520 | $46,689+278.1% | $117,498+50.2% | $68,495+157.7% |
| Participation rate | 34.6% | 56.8%-22.2pp | 70.6%-36.0pp | 67.9%-33.3pp |
| Annual return | -19.16% | -14.52%-4.6pp | 29.75%-48.9pp | -7.84%-11.3pp |
| Employer contribution / active EE | $2,095 | $1,505+39.2% | $4,178-49.9% | $2,596-19.3% |
| Participant deferral / active EE | $3,753 | $2,637+42.3% | $4,071-7.8% | $4,028-6.8% |
| Admin fee / account holder | $1,088 | $4,021-72.9% | $5,646-80.7% | $5,403-79.9% |