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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 | $85,894 | $81,276+5.7% | $155,574-44.8% | $80,925+6.1% |
| Participation rate | 46.9% | 66.2%-19.4pp | 78.2%-31.3pp | 67.7%-20.8pp |
| Annual return | 11.36% | 33.36%-22.0pp | 64.87%-53.5pp | 35.65%-24.3pp |
| Employer contribution / active EE | $1,344 | $3,103-56.7% | $4,676-71.2% | $2,756-51.2% |
| Participant deferral / active EE | $3,341 | $3,453-3.2% | $5,629-40.6% | $4,299-22.3% |
| Admin fee / account holder | $1,607 | $7,993-79.9% | $15,914-89.9% | $6,940-76.8% |