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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 | $37,446 | $51,207-26.9% | $70,565-46.9% | $75,177-50.2% |
| Participation rate | 39.6% | 61.0%-21.3pp | 68.4%-28.7pp | 67.2%-27.6pp |
| Annual return | 16.43% | 30.05%-13.6pp | 32.79%-16.4pp | 160.75%-144.3pp |
| Employer contribution / active EE | $1,247 | $1,826-31.8% | $2,976-58.1% | $2,671-53.3% |
| Participant deferral / active EE | $4,009 | $2,850+40.7% | $4,568-12.2% | $4,126-2.8% |
| Admin fee / account holder | $5,004 | $4,097+22.1% | $6,430-22.2% | $5,651-11.5% |