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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 | $97,502 | $43,730+123.0% | $121,208-19.6% | $64,181+51.9% |
| Participation rate | 65.1% | 58.3%+6.7pp | 71.8%-6.7pp | 69.6%-4.5pp |
| Annual return | -4.87% | 68.94%-73.8pp | 16.93%-21.8pp | 7.63%-12.5pp |
| Employer contribution / active EE | $672 | $1,297-48.2% | $4,023-83.3% | $2,381-71.8% |
| Participant deferral / active EE | $1,492 | $2,281-34.6% | $3,345-55.4% | $3,470-57.0% |
| Admin fee / account holder | $395 | $3,502-88.7% | $5,020-92.1% | $4,887-91.9% |