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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 | $92,414 | $76,407+20.9% | $150,298-38.5% | $82,448+12.1% |
| Participation rate | 49.2% | 66.4%-17.2pp | 77.8%-28.5pp | 68.1%-18.8pp |
| Annual return | 18.84% | 39.99%-21.2pp | 62.79%-43.9pp | 41.64%-22.8pp |
| Employer contribution / active EE | $1,006 | $2,614-61.5% | $4,154-75.8% | $2,551-60.6% |
| Participant deferral / active EE | $2,817 | $3,214-12.4% | $5,453-48.3% | $4,139-31.9% |
| Admin fee / account holder | $17,711 | $6,352+178.8% | $14,116+25.5% | $7,234+144.8% |