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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 | $76,317 | $73,787+3.4% | $98,716-22.7% | $82,448-7.4% |
| Participation rate | 45.5% | 61.4%-16.0pp | 69.3%-23.8pp | 68.1%-22.6pp |
| Annual return | 12.90% | 18.57%-5.7pp | 31.81%-18.9pp | 41.64%-28.7pp |
| Employer contribution / active EE | $763 | $1,511-49.5% | $2,279-66.5% | $2,551-70.1% |
| Participant deferral / active EE | $1,966 | $3,081-36.2% | $4,048-51.4% | $4,139-52.5% |
| Admin fee / account holder | $20,879 | $6,500+221.2% | $8,703+139.9% | $7,234+188.6% |