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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 | $71,911 | $85,515-15.9% | $112,040-35.8% | $67,986+5.8% |
| Participation rate | 44.6% | 68.2%-23.6pp | 76.5%-31.9pp | 57.2%-12.6pp |
| Annual return | 13.47% | 29.68%-16.2pp | 24.52%-11.1pp | 31.67%-18.2pp |
| Employer contribution / active EE | $1,312 | $2,191-40.1% | $2,954-55.6% | $2,019-35.0% |
| Participant deferral / active EE | $2,459 | $4,014-38.7% | $5,098-51.8% | $3,358-26.8% |
| Admin fee / account holder | $2,759 | $3,774-26.9% | $12,098-77.2% | $3,203-13.9% |