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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 | $87,643 | $101,798-13.9% | $165,071-46.9% | $80,935+8.3% |
| Participation rate | 46.3% | 71.8%-25.5pp | 78.6%-32.3pp | 67.7%-21.3pp |
| Annual return | 11.82% | 16.73%-4.9pp | 70.17%-58.4pp | 35.66%-23.8pp |
| Employer contribution / active EE | $3,850 | $2,954+30.3% | $4,347-11.4% | $2,757+39.6% |
| Participant deferral / active EE | $3,681 | $4,476-17.8% | $6,035-39.0% | $4,299-14.4% |
| Admin fee / account holder | $2,255 | $8,221-72.6% | $12,695-82.2% | $6,924-67.4% |