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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 | $48,044 | $81,331-40.9% | $155,534-69.1% | $80,935-40.6% |
| Participation rate | 45.7% | 66.3%-20.5pp | 78.2%-32.5pp | 67.7%-21.9pp |
| Annual return | 15.98% | 33.37%-17.4pp | 64.92%-48.9pp | 35.66%-19.7pp |
| Employer contribution / active EE | $3,450 | $3,105+11.1% | $4,675-26.2% | $2,757+25.1% |
| Participant deferral / active EE | $4,791 | $3,454+38.7% | $5,630-14.9% | $4,299+11.4% |
| Admin fee / account holder | $2,539 | $7,999-68.3% | $15,900-84.0% | $6,924-63.3% |