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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 | $94,149 | $95,453-1.4% | $112,040-16.0% | $82,448+14.2% |
| Participation rate | 48.6% | 72.8%-24.1pp | 76.5%-27.8pp | 68.1%-19.4pp |
| Annual return | 12.40% | 23.92%-11.5pp | 24.52%-12.1pp | 41.64%-29.2pp |
| Employer contribution / active EE | $681 | $2,318-70.6% | $2,954-76.9% | $2,551-73.3% |
| Participant deferral / active EE | $2,344 | $4,224-44.5% | $5,098-54.0% | $4,139-43.4% |
| Admin fee / account holder | $16,419 | $9,013+82.2% | $12,098+35.7% | $7,234+127.0% |