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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 | $93,789 | $49,976+87.7% | $66,674+40.7% | $82,637+13.5% |
| Participation rate | 38.7% | 63.1%-24.4pp | 73.7%-35.0pp | 68.1%-29.3pp |
| Annual return | 26.37% | 39.09%-12.7pp | 321.24%-294.9pp | 53.51%-27.1pp |
| Employer contribution / active EE | $1,344 | $1,988-32.4% | $2,620-48.7% | $2,552-47.3% |
| Participant deferral / active EE | $3,121 | $2,847+9.6% | $4,084-23.6% | $4,126-24.4% |
| Admin fee / account holder | $811 | $4,594-82.3% | $5,098-84.1% | $7,339-89.0% |