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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 | $44,950 | $81,331-44.7% | $155,534-71.1% | $80,935-44.5% |
| Participation rate | 52.4% | 66.3%-13.9pp | 78.2%-25.8pp | 67.7%-15.3pp |
| Annual return | 15.69% | 33.37%-17.7pp | 64.92%-49.2pp | 35.66%-20.0pp |
| Employer contribution / active EE | $2,601 | $3,105-16.2% | $4,675-44.4% | $2,757-5.7% |
| Participant deferral / active EE | $4,656 | $3,454+34.8% | $5,630-17.3% | $4,299+8.3% |
| Admin fee / account holder | $3,984 | $7,999-50.2% | $15,900-74.9% | $6,924-42.5% |