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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 | $82,118 | $54,297+51.2% | $97,032-15.4% | $65,306+25.7% |
| Participation rate | 16.5% | 42.3%-25.8pp | 71.6%-55.0pp | 57.7%-41.2pp |
| Annual return | 16.62% | 21.17%-4.6pp | 35.38%-18.8pp | 21.94%-5.3pp |
| Employer contribution / active EE | $383 | $1,365-71.9% | $2,629-85.4% | $1,967-80.5% |
| Participant deferral / active EE | $815 | $2,259-63.9% | $4,672-82.6% | $2,959-72.5% |
| Admin fee / account holder | $9,345 | $3,744+149.6% | $9,418-0.8% | $3,480+168.5% |