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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 | $79,767 | $77,920+2.4% | $149,723-46.7% | $75,177+6.1% |
| Participation rate | 55.0% | 65.6%-10.6pp | 78.8%-23.8pp | 67.2%-12.2pp |
| Annual return | 22.54% | 31.72%-9.2pp | 134.50%-112.0pp | 160.75%-138.2pp |
| Employer contribution / active EE | $1,131 | $3,138-64.0% | $4,821-76.6% | $2,671-57.7% |
| Participant deferral / active EE | $3,135 | $3,411-8.1% | $5,682-44.8% | $4,126-24.0% |
| Admin fee / account holder | $2,698 | $5,951-54.7% | $13,215-79.6% | $5,651-52.3% |