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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 | $44,833 | $57,061-21.4% | $85,063-47.3% | $80,911-44.6% |
| Participation rate | 48.8% | 56.3%-7.5pp | 67.5%-18.7pp | 67.6%-18.8pp |
| Annual return | 13.89% | 21.66%-7.8pp | 66.54%-52.7pp | 35.63%-21.7pp |
| Employer contribution / active EE | $1,529 | $1,799-15.0% | $2,727-43.9% | $2,756-44.5% |
| Participant deferral / active EE | $3,712 | $3,110+19.4% | $4,523-17.9% | $4,297-13.6% |
| Admin fee / account holder | $14,395 | $4,986+188.7% | $6,155+133.9% | $6,935+107.6% |