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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 | $109,348 | $65,395+67.2% | $182,531-40.1% | $72,983+49.8% |
| Participation rate | 55.9% | 65.4%-9.6pp | 78.0%-22.1pp | 69.5%-13.6pp |
| Annual return | 24.22% | 27.68%-3.5pp | 148.57%-124.4pp | 81.01%-56.8pp |
| Employer contribution / active EE | $581 | $1,911-69.6% | $4,075-85.8% | $2,440-76.2% |
| Participant deferral / active EE | $2,017 | $3,563-43.4% | $5,525-63.5% | $3,608-44.1% |
| Admin fee / account holder | $8,604 | $4,245+102.7% | $8,593+0.1% | $5,124+67.9% |