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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 | $64,024 | $93,345-31.4% | $119,126-46.3% | $87,485-26.8% |
| Participation rate | 60.5% | 68.7%-8.2pp | 75.8%-15.2pp | 68.9%-8.4pp |
| Annual return | 13.30% | 19.08%-5.8pp | 282.11%-268.8pp | 26.06%-12.8pp |
| Employer contribution / active EE | $2,128 | $3,172-32.9% | $4,034-47.2% | $2,596-18.0% |
| Participant deferral / active EE | $4,265 | $4,099+4.1% | $5,318-19.8% | $4,274-0.2% |
| Admin fee / account holder | $8,663 | $8,039+7.8% | $10,693-19.0% | $7,775+11.4% |