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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 | $83,234 | $79,449+4.8% | $189,597-56.1% | $85,851-3.0% |
| Participation rate | 48.0% | 66.0%-18.0pp | 78.4%-30.4pp | 69.3%-21.3pp |
| Annual return | 14.97% | 18.45%-3.5pp | 64.20%-49.2pp | 318.63%-303.7pp |
| Employer contribution / active EE | $2,819 | $2,081+35.4% | $4,412-36.1% | $2,565+9.9% |
| Participant deferral / active EE | $5,836 | $4,051+44.1% | $6,174-5.5% | $3,952+47.7% |
| Admin fee / account holder | $12,031 | $5,377+123.7% | $9,807+22.7% | $6,261+92.2% |