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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 | $130,366 | $91,120+43.1% | $161,149-19.1% | $64,097+103.4% |
| Participation rate | 60.2% | 62.2%-2.0pp | 78.8%-18.7pp | 55.2%+5.0pp |
| Annual return | 13.29% | 17.95%-4.7pp | 21.16%-7.9pp | 34.64%-21.3pp |
| Employer contribution / active EE | $961 | $2,284-57.9% | $4,360-78.0% | $1,891-49.2% |
| Participant deferral / active EE | $3,611 | $3,708-2.6% | $6,153-41.3% | $3,080+17.3% |
| Admin fee / account holder | $2,767 | $4,535-39.0% | $15,194-81.8% | $3,454-19.9% |