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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 | $19,920 | $64,324-69.0% | $118,914-83.2% | $79,856-75.1% |
| Participation rate | 66.7% | 64.9%+1.8pp | 75.4%-8.7pp | 69.6%-3.0pp |
| Annual return | 14.08% | 86.45%-72.4pp | 35.89%-21.8pp | 31.71%-17.6pp |
| Employer contribution / active EE | $739 | $1,836-59.7% | $3,264-77.4% | $2,471-70.1% |
| Participant deferral / active EE | $1,572 | $2,824-44.3% | $4,266-63.2% | $3,741-58.0% |
| Admin fee / account holder | $367 | $4,040-90.9% | $6,582-94.4% | $5,306-93.1% |