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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 | $122,357 | $78,015+56.8% | $178,505-31.5% | $80,959+51.1% |
| Participation rate | 57.7% | 65.7%-8.0pp | 77.1%-19.4pp | 67.7%-10.0pp |
| Annual return | 12.85% | 18.10%-5.2pp | 27.16%-14.3pp | 35.67%-22.8pp |
| Employer contribution / active EE | $1,978 | $2,281-13.3% | $3,955-50.0% | $2,757-28.3% |
| Participant deferral / active EE | $3,653 | $4,406-17.1% | $6,280-41.8% | $4,300-15.1% |
| Admin fee / account holder | $23,651 | $7,160+230.3% | $10,428+126.8% | $6,925+241.5% |