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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 | $45,407 | $71,215-36.2% | $93,696-51.5% | $80,935-43.9% |
| Participation rate | 45.0% | 60.4%-15.4pp | 68.7%-23.7pp | 67.7%-22.7pp |
| Annual return | 14.45% | 11.27%+3.2pp | 133.74%-119.3pp | 35.66%-21.2pp |
| Employer contribution / active EE | $820 | $1,565-47.6% | $2,422-66.2% | $2,757-70.3% |
| Participant deferral / active EE | $3,199 | $4,037-20.8% | $4,417-27.6% | $4,299-25.6% |
| Admin fee / account holder | $1,278 | $6,958-81.6% | $8,287-84.6% | $6,924-81.5% |