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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 | $49,173 | $82,133-40.1% | $147,318-66.6% | $64,097-23.3% |
| Participation rate | 63.3% | 62.3%+1.0pp | 82.1%-18.8pp | 55.2%+8.1pp |
| Annual return | 17.25% | 78.78%-61.5pp | 70.43%-53.2pp | 34.64%-17.4pp |
| Employer contribution / active EE | $1,246 | $2,872-56.6% | $4,593-72.9% | $1,891-34.1% |
| Participant deferral / active EE | $4,625 | $5,407-14.5% | $7,906-41.5% | $3,080+50.2% |
| Admin fee / account holder | $4,482 | $3,730+20.2% | $13,708-67.3% | $3,454+29.7% |