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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 | $93,761 | $95,904-2.2% | $173,730-46.0% | $64,340+45.7% |
| Participation rate | 40.6% | 60.6%-20.0pp | 79.6%-39.0pp | 55.2%-14.6pp |
| Annual return | 13.63% | 17.47%-3.8pp | 19.96%-6.3pp | 24.14%-10.5pp |
| Employer contribution / active EE | $1,071 | $2,323-53.9% | $4,577-76.6% | $1,862-42.5% |
| Participant deferral / active EE | $2,192 | $3,488-37.2% | $6,326-65.4% | $2,980-26.5% |
| Admin fee / account holder | $10,861 | $5,089+113.4% | $17,523-38.0% | $3,703+193.3% |