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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 | $34,371 | $45,079-23.8% | $69,461-50.5% | $72,983-52.9% |
| Participation rate | 54.2% | 68.5%-14.3pp | 74.6%-20.4pp | 69.5%-15.3pp |
| Annual return | 22.20% | 22.65%-0.5pp | 28.97%-6.8pp | 81.01%-58.8pp |
| Employer contribution / active EE | $1,977 | $2,055-3.8% | $2,779-28.9% | $2,440-19.0% |
| Participant deferral / active EE | $4,023 | $2,603+54.6% | $3,536+13.8% | $3,608+11.5% |
| Admin fee / account holder | $2,973 | $3,056-2.7% | $3,840-22.6% | $5,124-42.0% |