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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 | $97,982 | $146,267-33.0% | $197,124-50.3% | $82,448+18.8% |
| Participation rate | 35.7% | 84.0%-48.3pp | 86.7%-51.0pp | 68.1%-32.4pp |
| Annual return | 20.38% | 29.61%-9.2pp | 44.34%-24.0pp | 41.64%-21.3pp |
| Employer contribution / active EE | $2,188 | $4,723-53.7% | $6,227-64.9% | $2,551-14.2% |
| Participant deferral / active EE | $3,747 | $7,035-46.7% | $9,135-59.0% | $4,139-9.5% |
| Admin fee / account holder | $366 | $14,422-97.5% | $16,298-97.8% | $7,234-94.9% |