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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 | $53,635 | $86,938-38.3% | $102,423-47.6% | $80,925-33.7% |
| Participation rate | 50.9% | 72.4%-21.4pp | 76.5%-25.6pp | 67.7%-16.7pp |
| Annual return | 13.01% | 18.89%-5.9pp | 29.42%-16.4pp | 35.65%-22.6pp |
| Employer contribution / active EE | $2,013 | $2,369-15.0% | $3,023-33.4% | $2,756-27.0% |
| Participant deferral / active EE | $4,865 | $4,120+18.1% | $5,054-3.8% | $4,299+13.2% |
| Admin fee / account holder | $7,926 | $8,053-1.6% | $9,455-16.2% | $6,940+14.2% |