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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 | $88,674 | $81,777+8.4% | $148,496-40.3% | $69,733+27.2% |
| Participation rate | 29.6% | 70.9%-41.3pp | 76.0%-46.4pp | 62.5%-32.8pp |
| Annual return | 13.79% | 14.38%-0.6pp | 12.33%+1.5pp | 15.22%-1.4pp |
| Employer contribution / active EE | $1,124 | $2,488-54.8% | $3,497-67.9% | $2,250-50.0% |
| Participant deferral / active EE | $2,146 | $3,367-36.3% | $4,808-55.4% | $3,054-29.8% |
| Admin fee / account holder | $7,862 | $2,991+162.9% | $19,547-59.8% | $3,102+153.5% |