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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 | $53,564 | $43,730+22.5% | $121,220-55.8% | $64,173-16.5% |
| Participation rate | 66.7% | 58.3%+8.3pp | 71.8%-5.1pp | 69.6%-2.9pp |
| Annual return | -0.37% | 68.94%-69.3pp | 16.94%-17.3pp | 7.63%-8.0pp |
| Employer contribution / active EE | $3,055 | $1,297+135.6% | $4,023-24.0% | $2,381+28.3% |
| Participant deferral / active EE | $3,431 | $2,281+50.4% | $3,345+2.6% | $3,470-1.1% |
| Admin fee / account holder | $36,828 | $3,502+951.5% | $5,021+633.5% | $4,887+653.5% |