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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 | $30,563 | $37,436-18.4% | $77,513-60.6% | $79,858-61.7% |
| Participation rate | 45.7% | 41.5%+4.2pp | 54.2%-8.5pp | 69.6%-23.9pp |
| Annual return | 19.73% | 39.75%-20.0pp | 54.81%-35.1pp | 31.72%-12.0pp |
| Employer contribution / active EE | $459 | $637-27.9% | $987-53.5% | $2,471-81.4% |
| Participant deferral / active EE | $1,451 | $1,261+15.1% | $1,861-22.0% | $3,740-61.2% |
| Admin fee / account holder | $4,620 | $2,505+84.4% | $2,859+61.6% | $5,306-12.9% |