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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 | $39,612 | $95,453-58.5% | $112,040-64.6% | $82,448-52.0% |
| Participation rate | 60.6% | 72.8%-12.2pp | 76.5%-15.9pp | 68.1%-7.5pp |
| Annual return | 17.78% | 23.92%-6.1pp | 24.52%-6.7pp | 41.64%-23.9pp |
| Employer contribution / active EE | $1,582 | $2,318-31.8% | $2,954-46.5% | $2,551-38.0% |
| Participant deferral / active EE | $2,933 | $4,224-30.6% | $5,098-42.5% | $4,139-29.1% |
| Admin fee / account holder | $3,703 | $9,013-58.9% | $12,098-69.4% | $7,234-48.8% |