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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 | $23,910 | $35,183-32.0% | $73,545-67.5% | $70,124-65.9% |
| Participation rate | 58.5% | 42.9%+15.6pp | 54.9%+3.6pp | 69.5%-11.0pp |
| Annual return | 18.20% | 26.90%-8.7pp | -15.16%+33.4pp | 73.14%-54.9pp |
| Employer contribution / active EE | $936 | $709+32.0% | $1,219-23.3% | $2,342-60.1% |
| Participant deferral / active EE | $1,414 | $1,220+15.9% | $1,806-21.7% | $3,332-57.6% |
| Admin fee / account holder | $2,114 | $2,302-8.2% | $2,320-8.9% | $4,645-54.5% |