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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 | $56,046 | $79,894-29.8% | $135,792-58.7% | $82,637-32.2% |
| Participation rate | 28.0% | 63.0%-35.0pp | 72.6%-44.6pp | 68.1%-40.1pp |
| Annual return | 17.96% | 17.20%+0.8pp | 25.96%-8.0pp | 53.51%-35.5pp |
| Employer contribution / active EE | $817 | $2,165-62.3% | $3,496-76.6% | $2,552-68.0% |
| Participant deferral / active EE | $1,253 | $3,194-60.8% | $4,759-73.7% | $4,126-69.6% |
| Admin fee / account holder | $6,508 | $6,434+1.2% | $12,266-46.9% | $7,339-11.3% |