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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 | $53,187 | $37,436+42.1% | $77,513-31.4% | $79,858-33.4% |
| Participation rate | 28.4% | 41.5%-13.1pp | 54.2%-25.8pp | 69.6%-41.3pp |
| Annual return | 13.93% | 39.75%-25.8pp | 54.81%-40.9pp | 31.72%-17.8pp |
| Employer contribution / active EE | $596 | $637-6.4% | $987-39.5% | $2,471-75.9% |
| Participant deferral / active EE | $1,549 | $1,261+22.9% | $1,861-16.8% | $3,740-58.6% |
| Admin fee / account holder | $1,408 | $2,505-43.8% | $2,859-50.7% | $5,306-73.5% |