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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 | $44,746+83.5% | $88,179-6.9% | $64,097+28.1% |
| Participation rate | 16.5% | 39.8%-23.3pp | 69.1%-52.6pp | 55.2%-38.7pp |
| Annual return | 16.62% | 24.70%-8.1pp | 64.97%-48.3pp | 34.64%-18.0pp |
| Employer contribution / active EE | $383 | $1,078-64.4% | $2,549-85.0% | $1,891-79.7% |
| Participant deferral / active EE | $815 | $2,072-60.7% | $4,614-82.3% | $3,080-73.5% |
| Admin fee / account holder | $9,345 | $3,437+171.9% | $7,673+21.8% | $3,454+170.5% |