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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 | $31,210 | $52,279-40.3% | $89,414-65.1% | $79,852-60.9% |
| Participation rate | 32.7% | 57.5%-24.9pp | 68.0%-35.3pp | 69.6%-37.0pp |
| Annual return | 24.93% | 22.16%+2.8pp | 245.50%-220.6pp | 31.72%-6.8pp |
| Employer contribution / active EE | $1,210 | $1,572-23.0% | $2,586-53.2% | $2,471-51.0% |
| Participant deferral / active EE | $2,051 | $2,740-25.2% | $3,890-47.3% | $3,740-45.2% |
| Admin fee / account holder | $7,086 | $3,356+111.1% | $4,883+45.1% | $5,306+33.5% |