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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 | $105,222 | $110,240-4.6% | $96,544+9.0% | $139,487-24.6% |
| Participation rate | 45.8% | 78.1%-32.3pp | 76.0%-30.2pp | 80.3%-34.5pp |
| Annual return | 12.15% | 26.41%-14.3pp | 25.88%-13.7pp | 373.84%-361.7pp |
| Employer contribution / active EE | $811 | $3,622-77.6% | $2,966-72.7% | $4,755-82.9% |
| Participant deferral / active EE | $2,943 | $5,549-47.0% | $4,851-39.3% | $6,713-56.2% |
| Admin fee / account holder | $8,160 | $11,602-29.7% | $8,254-1.1% | $11,407-28.5% |