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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 | $87,930 | $72,027+22.1% | $185,835-52.7% | $79,852+10.1% |
| Participation rate | 56.8% | 65.8%-9.0pp | 78.0%-21.2pp | 69.6%-12.8pp |
| Annual return | 17.01% | 23.13%-6.1pp | 35.96%-18.9pp | 31.72%-14.7pp |
| Employer contribution / active EE | $589 | $1,965-70.0% | $4,087-85.6% | $2,471-76.2% |
| Participant deferral / active EE | $2,496 | $3,780-33.9% | $5,633-55.7% | $3,740-33.3% |
| Admin fee / account holder | $2,779 | $4,513-38.4% | $9,502-70.7% | $5,306-47.6% |