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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 | $88,075 | $53,583+64.4% | $114,563-23.1% | $64,340+36.9% |
| Participation rate | 44.7% | 47.4%-2.7pp | 72.9%-28.2pp | 55.2%-10.5pp |
| Annual return | 16.81% | 24.51%-7.7pp | 241.09%-224.3pp | 24.14%-7.3pp |
| Employer contribution / active EE | $636 | $1,087-41.5% | $2,592-75.5% | $1,862-65.8% |
| Participant deferral / active EE | $2,444 | $2,134+14.5% | $4,142-41.0% | $2,980-18.0% |
| Admin fee / account holder | $5,350 | $3,206+66.9% | $7,623-29.8% | $3,703+44.5% |