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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 | $38,446 | $56,894-32.4% | $84,753-54.6% | $62,881-38.9% |
| Participation rate | 34.3% | 68.5%-34.3pp | 76.6%-42.3pp | 69.3%-35.0pp |
| Annual return | 9.46% | 6.30%+3.2pp | 22.78%-13.3pp | 20.14%-10.7pp |
| Employer contribution / active EE | $540 | $2,400-77.5% | $3,574-84.9% | $2,281-76.3% |
| Participant deferral / active EE | $1,057 | $2,709-61.0% | $3,712-71.5% | $3,203-67.0% |
| Admin fee / account holder | $7,154 | $3,581+99.8% | $5,333+34.1% | $4,296+66.5% |