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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 | $54,477 | $56,894-4.2% | $84,753-35.7% | $62,881-13.4% |
| Participation rate | 35.1% | 68.5%-33.5pp | 76.6%-41.5pp | 69.3%-34.2pp |
| Annual return | 7.61% | 6.30%+1.3pp | 22.78%-15.2pp | 20.14%-12.5pp |
| Employer contribution / active EE | $971 | $2,400-59.5% | $3,574-72.8% | $2,281-57.4% |
| Participant deferral / active EE | $2,435 | $2,709-10.1% | $3,712-34.4% | $3,203-24.0% |
| Admin fee / account holder | $22,048 | $3,581+515.7% | $5,333+313.4% | $4,296+413.2% |