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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 | $133,866 | $63,773+109.9% | $81,286+64.7% | $80,925+65.4% |
| Participation rate | 55.3% | 63.9%-8.7pp | 69.5%-14.3pp | 67.7%-12.4pp |
| Annual return | 16.08% | 16.37%-0.3pp | 24.80%-8.7pp | 35.65%-19.6pp |
| Employer contribution / active EE | $814 | $1,979-58.9% | $2,463-66.9% | $2,756-70.5% |
| Participant deferral / active EE | $7,912 | $3,093+155.8% | $3,883+103.8% | $4,299+84.1% |
| Admin fee / account holder | $24,251 | $5,682+326.8% | $5,764+320.7% | $6,940+249.4% |