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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 | $98,214 | $76,834+27.8% | $108,359-9.4% | $87,485+12.3% |
| Participation rate | 48.0% | 61.7%-13.8pp | 70.1%-22.2pp | 68.9%-21.0pp |
| Annual return | 13.38% | 19.09%-5.7pp | 36.89%-23.5pp | 26.06%-12.7pp |
| Employer contribution / active EE | $370 | $1,556-76.2% | $2,399-84.6% | $2,596-85.7% |
| Participant deferral / active EE | $2,783 | $3,100-10.2% | $4,137-32.7% | $4,274-34.9% |
| Admin fee / account holder | $4,662 | $6,537-28.7% | $9,741-52.1% | $7,775-40.0% |