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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 | $44,742 | $71,057-37.0% | $93,654-52.2% | $80,874-44.7% |
| Participation rate | 56.0% | 60.4%-4.4pp | 68.7%-12.7pp | 67.6%-11.6pp |
| Annual return | 20.79% | 11.26%+9.5pp | 133.34%-112.5pp | 35.62%-14.8pp |
| Employer contribution / active EE | $866 | $1,564-44.6% | $2,421-64.2% | $2,756-68.6% |
| Participant deferral / active EE | $3,246 | $4,034-19.5% | $4,413-26.4% | $4,297-24.5% |
| Admin fee / account holder | $4,773 | $6,944-31.3% | $8,282-42.4% | $6,935-31.2% |