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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 | $77,029 | $63,456+21.4% | $100,712-23.5% | $64,097+20.2% |
| Participation rate | 24.8% | 49.7%-24.9pp | 69.3%-44.5pp | 55.2%-30.4pp |
| Annual return | 14.34% | 19.65%-5.3pp | 33.27%-18.9pp | 34.64%-20.3pp |
| Employer contribution / active EE | $227 | $1,003-77.4% | $2,313-90.2% | $1,891-88.0% |
| Participant deferral / active EE | $1,049 | $2,463-57.4% | $4,085-74.3% | $3,080-65.9% |
| Admin fee / account holder | $2,204 | $4,808-54.2% | $9,256-76.2% | $3,454-36.2% |