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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 | $89,860 | $77,817+15.5% | $123,553-27.3% | $64,173+40.0% |
| Participation rate | 54.5% | 74.7%-20.2pp | 82.3%-27.7pp | 69.6%-15.0pp |
| Annual return | -5.14% | 12.49%-17.6pp | 119.21%-124.3pp | 7.63%-12.8pp |
| Employer contribution / active EE | $2,169 | $3,014-28.0% | $4,628-53.1% | $2,381-8.9% |
| Participant deferral / active EE | $6,848 | $5,240+30.7% | $6,426+6.6% | $3,470+97.4% |
| Admin fee / account holder | $4,450 | $5,519-19.4% | $9,284-52.1% | $4,887-9.0% |