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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 | $71,742 | $91,120-21.3% | $161,149-55.5% | $64,097+11.9% |
| Participation rate | 39.7% | 62.2%-22.5pp | 78.8%-39.1pp | 55.2%-15.5pp |
| Annual return | 16.07% | 17.95%-1.9pp | 21.16%-5.1pp | 34.64%-18.6pp |
| Employer contribution / active EE | $1,501 | $2,284-34.3% | $4,360-65.6% | $1,891-20.6% |
| Participant deferral / active EE | $2,718 | $3,708-26.7% | $6,153-55.8% | $3,080-11.7% |
| Admin fee / account holder | $8,260 | $4,535+82.1% | $15,194-45.6% | $3,454+139.1% |