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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 | $75,205 | $63,456+18.5% | $100,712-25.3% | $64,097+17.3% |
| Participation rate | 42.6% | 49.7%-7.1pp | 69.3%-26.7pp | 55.2%-12.6pp |
| Annual return | 13.42% | 19.65%-6.2pp | 33.27%-19.9pp | 34.64%-21.2pp |
| Employer contribution / active EE | $1,028 | $1,003+2.5% | $2,313-55.6% | $1,891-45.7% |
| Participant deferral / active EE | $2,764 | $2,463+12.2% | $4,085-32.3% | $3,080-10.3% |
| Admin fee / account holder | $3,098 | $4,808-35.6% | $9,256-66.5% | $3,454-10.3% |