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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 | $44,827 | $56,894-21.2% | $84,753-47.1% | $62,881-28.7% |
| Participation rate | 42.3% | 68.5%-26.2pp | 76.6%-34.3pp | 69.3%-27.0pp |
| Annual return | 9.96% | 6.30%+3.7pp | 22.78%-12.8pp | 20.14%-10.2pp |
| Employer contribution / active EE | $1,281 | $2,400-46.6% | $3,574-64.2% | $2,281-43.8% |
| Participant deferral / active EE | $3,791 | $2,709+39.9% | $3,712+2.1% | $3,203+18.4% |
| Admin fee / account holder | $4,626 | $3,581+29.2% | $5,333-13.3% | $4,296+7.7% |