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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 | $92,805 | $94,031-1.3% | $115,768-19.8% | $82,448+12.6% |
| Participation rate | 55.1% | 70.4%-15.3pp | 74.4%-19.3pp | 68.1%-13.0pp |
| Annual return | 15.19% | 20.61%-5.4pp | 100.46%-85.3pp | 41.64%-26.4pp |
| Employer contribution / active EE | $1,517 | $2,323-34.7% | $2,940-48.4% | $2,551-40.5% |
| Participant deferral / active EE | $3,561 | $3,972-10.3% | $4,917-27.6% | $4,139-14.0% |
| Admin fee / account holder | $36,452 | $10,249+255.6% | $12,439+193.0% | $7,234+403.9% |