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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 | $131,417 | $78,015+68.5% | $178,505-26.4% | $80,959+62.3% |
| Participation rate | 68.2% | 65.7%+2.5pp | 77.1%-8.9pp | 67.7%+0.5pp |
| Annual return | 13.62% | 18.10%-4.5pp | 27.16%-13.5pp | 35.67%-22.0pp |
| Employer contribution / active EE | $821 | $2,281-64.0% | $3,955-79.2% | $2,757-70.2% |
| Participant deferral / active EE | $8,213 | $4,406+86.4% | $6,280+30.8% | $4,300+91.0% |
| Admin fee / account holder | $3,866 | $7,160-46.0% | $10,428-62.9% | $6,925-44.2% |