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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 | $73,651 | $72,027+2.3% | $185,835-60.4% | $79,852-7.8% |
| Participation rate | 55.3% | 65.8%-10.5pp | 78.0%-22.8pp | 69.6%-14.4pp |
| Annual return | 38.13% | 23.13%+15.0pp | 35.96%+2.2pp | 31.72%+6.4pp |
| Employer contribution / active EE | $420 | $1,965-78.6% | $4,087-89.7% | $2,471-83.0% |
| Participant deferral / active EE | $2,529 | $3,780-33.1% | $5,633-55.1% | $3,740-32.4% |
| Admin fee / account holder | $26,707 | $4,513+491.8% | $9,502+181.1% | $5,306+403.3% |