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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 | $74,535+31.8% | $100,712-2.5% | $82,637+18.8% |
| Participation rate | 48.0% | 61.2%-13.2pp | 69.3%-21.3pp | 68.1%-20.1pp |
| Annual return | 13.38% | 18.92%-5.5pp | 33.27%-19.9pp | 53.51%-40.1pp |
| Employer contribution / active EE | $370 | $1,503-75.4% | $2,313-84.0% | $2,552-85.5% |
| Participant deferral / active EE | $2,783 | $3,074-9.5% | $4,085-31.9% | $4,126-32.6% |
| Admin fee / account holder | $4,662 | $6,576-29.1% | $9,256-49.6% | $7,339-36.5% |