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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 | $93,928 | $78,428+19.8% | $95,960-2.1% | $79,852+17.6% |
| Participation rate | 47.1% | 73.5%-26.3pp | 77.1%-29.9pp | 69.6%-22.5pp |
| Annual return | 25.37% | 19.37%+6.0pp | 91.63%-66.3pp | 31.72%-6.3pp |
| Employer contribution / active EE | $970 | $1,945-50.1% | $2,541-61.8% | $2,471-60.8% |
| Participant deferral / active EE | $2,235 | $3,440-35.0% | $4,167-46.4% | $3,740-40.2% |
| Admin fee / account holder | $7,676 | $5,622+36.5% | $6,797+12.9% | $5,306+44.7% |