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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 | $53,937 | $67,823-20.5% | $52,425+2.9% | $137,256-60.7% |
| Participation rate | 27.3% | 63.9%-36.6pp | 55.6%-28.4pp | 80.0%-52.7pp |
| Annual return | 21.45% | 219.11%-197.7pp | 302.12%-280.7pp | 220.34%-198.9pp |
| Employer contribution / active EE | $646 | $1,163-44.4% | $914-29.3% | $4,156-84.4% |
| Participant deferral / active EE | $2,314 | $2,288+1.1% | $1,790+29.2% | $6,407-63.9% |
| Admin fee / account holder | $1,734 | $2,844-39.0% | $2,495-30.5% | $12,270-85.9% |