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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 | $46,278 | $74,535-37.9% | $100,712-54.0% | $82,637-44.0% |
| Participation rate | 53.1% | 61.2%-8.0pp | 69.3%-16.2pp | 68.1%-14.9pp |
| Annual return | 19.43% | 18.92%+0.5pp | 33.27%-13.8pp | 53.51%-34.1pp |
| Employer contribution / active EE | $736 | $1,503-51.0% | $2,313-68.2% | $2,552-71.1% |
| Participant deferral / active EE | $2,156 | $3,074-29.9% | $4,085-47.2% | $4,126-47.8% |
| Admin fee / account holder | $10,856 | $6,576+65.1% | $9,256+17.3% | $7,339+47.9% |