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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 | $46,044 | $81,262-43.3% | $155,602-70.4% | $80,911-43.1% |
| Participation rate | 69.0% | 66.2%+2.7pp | 78.2%-9.2pp | 67.6%+1.3pp |
| Annual return | 10.76% | 33.34%-22.6pp | 64.81%-54.0pp | 35.63%-24.9pp |
| Employer contribution / active EE | $2,302 | $3,102-25.8% | $4,675-50.8% | $2,756-16.5% |
| Participant deferral / active EE | $3,966 | $3,451+14.9% | $5,629-29.5% | $4,297-7.7% |
| Admin fee / account holder | $2,357 | $7,992-70.5% | $15,923-85.2% | $6,935-66.0% |