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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 | $84,322 | $88,672-4.9% | $105,223-19.9% | $82,448+2.3% |
| Participation rate | 63.8% | 67.9%-4.1pp | 75.0%-11.2pp | 68.1%-4.2pp |
| Annual return | 18.28% | 30.86%-12.6pp | 180.65%-162.4pp | 41.64%-23.4pp |
| Employer contribution / active EE | $2,647 | $3,048-13.2% | $3,689-28.2% | $2,551+3.7% |
| Participant deferral / active EE | $5,854 | $4,036+45.0% | $5,072+15.4% | $4,139+41.4% |
| Admin fee / account holder | $4,604 | $7,146-35.6% | $8,859-48.0% | $7,234-36.4% |