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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 | $97,088 | $58,587+65.7% | $83,322+16.5% | $64,173+51.3% |
| Participation rate | 69.8% | 72.0%-2.2pp | 77.8%-7.9pp | 69.6%+0.2pp |
| Annual return | -6.75% | 9.65%-16.4pp | 10.64%-17.4pp | 7.63%-14.4pp |
| Employer contribution / active EE | $343 | $2,098-83.7% | $3,379-89.8% | $2,381-85.6% |
| Participant deferral / active EE | $5,164 | $4,654+11.0% | $5,565-7.2% | $3,470+48.8% |
| Admin fee / account holder | $315 | $9,279-96.6% | $7,540-95.8% | $4,887-93.5% |