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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 | $68,145 | $41,377+64.7% | $109,313-37.7% | $62,881+8.4% |
| Participation rate | 51.8% | 57.5%-5.8pp | 71.3%-19.5pp | 69.3%-17.5pp |
| Annual return | 8.47% | 11.05%-2.6pp | 22.07%-13.6pp | 20.14%-11.7pp |
| Employer contribution / active EE | $1,170 | $1,276-8.3% | $3,892-69.9% | $2,281-48.7% |
| Participant deferral / active EE | $3,090 | $2,045+51.1% | $3,166-2.4% | $3,203-3.5% |
| Admin fee / account holder | $2,149 | $2,884-25.5% | $5,666-62.1% | $4,296-50.0% |