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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 | $81,124 | $67,602+20.0% | $82,312-1.4% | $70,126+15.7% |
| Participation rate | 56.0% | 72.8%-16.7pp | 76.9%-20.9pp | 69.5%-13.5pp |
| Annual return | 17.59% | 21.57%-4.0pp | 25.88%-8.3pp | 73.15%-55.6pp |
| Employer contribution / active EE | $1,138 | $1,755-35.2% | $2,428-53.2% | $2,343-51.4% |
| Participant deferral / active EE | $2,770 | $2,987-7.3% | $3,706-25.3% | $3,332-16.9% |
| Admin fee / account holder | $2,401 | $4,512-46.8% | $5,608-57.2% | $4,645-48.3% |