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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 | $109,961 | $58,512+87.9% | $84,020+30.9% | $72,983+50.7% |
| Participation rate | 38.9% | 61.2%-22.3pp | 69.0%-30.1pp | 69.5%-30.6pp |
| Annual return | 22.61% | 28.93%-6.3pp | 71.31%-48.7pp | 81.01%-58.4pp |
| Employer contribution / active EE | $964 | $1,163-17.1% | $1,984-51.4% | $2,440-60.5% |
| Participant deferral / active EE | $2,252 | $2,394-5.9% | $3,239-30.5% | $3,608-37.6% |
| Admin fee / account holder | $3,061 | $4,569-33.0% | $6,101-49.8% | $5,124-40.3% |