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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 | $61,957 | $95,453-35.1% | $112,040-44.7% | $82,448-24.9% |
| Participation rate | 45.0% | 72.8%-27.8pp | 76.5%-31.5pp | 68.1%-23.1pp |
| Annual return | 14.22% | 23.92%-9.7pp | 24.52%-10.3pp | 41.64%-27.4pp |
| Employer contribution / active EE | $1,796 | $2,318-22.5% | $2,954-39.2% | $2,551-29.6% |
| Participant deferral / active EE | $2,990 | $4,224-29.2% | $5,098-41.4% | $4,139-27.8% |
| Admin fee / account holder | $13,032 | $9,013+44.6% | $12,098+7.7% | $7,234+80.1% |