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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 | $98,625 | $71,878+37.2% | $86,698+13.8% | $68,486+44.0% |
| Participation rate | 68.8% | 72.2%-3.5pp | 76.6%-7.8pp | 67.9%+0.9pp |
| Annual return | -17.51% | 3.53%-21.0pp | 35.95%-53.5pp | -7.85%-9.7pp |
| Employer contribution / active EE | $893 | $2,173-58.9% | $2,837-68.5% | $2,597-65.6% |
| Participant deferral / active EE | $3,558 | $3,779-5.8% | $4,656-23.6% | $4,028-11.7% |
| Admin fee / account holder | $6,679 | $6,113+9.3% | $7,493-10.9% | $5,404+23.6% |