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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 | $96,688 | $54,573+77.2% | $90,970+6.3% | $73,493+31.6% |
| Participation rate | 30.7% | 61.2%-30.5pp | 69.0%-38.3pp | 70.7%-40.0pp |
| Annual return | 14.20% | 16.69%-2.5pp | 134.58%-120.4pp | 28.51%-14.3pp |
| Employer contribution / active EE | $1,093 | $991+10.2% | $2,122-48.5% | $2,270-51.9% |
| Participant deferral / active EE | $2,328 | $2,517-7.5% | $3,373-31.0% | $3,740-37.7% |
| Admin fee / account holder | $3,015 | $521+478.2% | $5,960-49.4% | $513+487.6% |