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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 | $78,845 | $101,752-22.5% | $164,928-52.2% | $80,911-2.6% |
| Participation rate | 26.1% | 71.8%-45.8pp | 78.6%-52.5pp | 67.6%-41.6pp |
| Annual return | 17.18% | 16.73%+0.4pp | 70.08%-52.9pp | 35.63%-18.5pp |
| Employer contribution / active EE | $1,126 | $2,953-61.9% | $4,343-74.1% | $2,756-59.2% |
| Participant deferral / active EE | $2,223 | $4,477-50.3% | $6,034-63.2% | $4,297-48.3% |
| Admin fee / account holder | $1,525 | $8,218-81.4% | $12,684-88.0% | $6,935-78.0% |