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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 | $96,835 | $75,962+27.5% | $154,111-37.2% | $64,173+50.9% |
| Participation rate | 60.2% | 70.4%-10.2pp | 83.0%-22.8pp | 69.6%-9.3pp |
| Annual return | -5.89% | 30.32%-36.2pp | 735.18%-741.1pp | 7.63%-13.5pp |
| Employer contribution / active EE | $1,760 | $3,350-47.5% | $5,298-66.8% | $2,381-26.1% |
| Participant deferral / active EE | $4,721 | $3,175+48.7% | $5,081-7.1% | $3,470+36.1% |
| Admin fee / account holder | $4,224 | $5,589-24.4% | $13,411-68.5% | $4,887-13.6% |