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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 | $53,769 | $65,034-17.3% | $90,970-40.9% | $79,856-32.7% |
| Participation rate | 55.3% | 61.6%-6.4pp | 69.0%-13.8pp | 69.6%-14.4pp |
| Annual return | 11.16% | 30.45%-19.3pp | 134.60%-123.4pp | 31.71%-20.6pp |
| Employer contribution / active EE | $264 | $1,247-78.8% | $2,122-87.6% | $2,471-89.3% |
| Participant deferral / active EE | $1,800 | $2,512-28.4% | $3,373-46.6% | $3,741-51.9% |
| Admin fee / account holder | $5,509 | $4,536+21.5% | $5,961-7.6% | $5,306+3.8% |