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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 | $37,483 | $76,834-51.2% | $108,359-65.4% | $87,485-57.2% |
| Participation rate | 49.2% | 61.7%-12.6pp | 70.1%-21.0pp | 68.9%-19.8pp |
| Annual return | 12.66% | 19.09%-6.4pp | 36.89%-24.2pp | 26.06%-13.4pp |
| Employer contribution / active EE | $1,423 | $1,556-8.6% | $2,399-40.7% | $2,596-45.2% |
| Participant deferral / active EE | $1,675 | $3,100-46.0% | $4,137-59.5% | $4,274-60.8% |
| Admin fee / account holder | $17,626 | $6,537+169.6% | $9,741+80.9% | $7,775+126.7% |