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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 | $98,051 | $85,515+14.7% | $112,040-12.5% | $67,986+44.2% |
| Participation rate | 32.6% | 68.2%-35.7pp | 76.5%-43.9pp | 57.2%-24.6pp |
| Annual return | 18.39% | 29.68%-11.3pp | 24.52%-6.1pp | 31.67%-13.3pp |
| Employer contribution / active EE | $930 | $2,191-57.5% | $2,954-68.5% | $2,019-53.9% |
| Participant deferral / active EE | $3,157 | $4,014-21.3% | $5,098-38.1% | $3,358-6.0% |
| Admin fee / account holder | $5,682 | $3,774+50.6% | $12,098-53.0% | $3,203+77.4% |