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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 | $77,996 | $68,878+13.2% | $120,574-35.3% | $80,935-3.6% |
| Participation rate | 38.9% | 61.7%-22.8pp | 71.9%-33.1pp | 67.7%-28.8pp |
| Annual return | 16.55% | 23.67%-7.1pp | 107.42%-90.9pp | 35.66%-19.1pp |
| Employer contribution / active EE | $875 | $2,065-57.6% | $3,471-74.8% | $2,757-68.3% |
| Participant deferral / active EE | $2,183 | $3,189-31.5% | $4,996-56.3% | $4,299-49.2% |
| Admin fee / account holder | $4,086 | $5,782-29.3% | $9,445-56.7% | $6,924-41.0% |