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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 | $77,702 | $86,341-10.0% | $125,195-37.9% | $65,186+19.2% |
| Participation rate | 54.0% | 75.3%-21.3pp | 79.8%-25.8pp | 70.2%-16.2pp |
| Annual return | 22.75% | 27.44%-4.7pp | 43.79%-21.0pp | 29.39%-6.6pp |
| Employer contribution / active EE | $1,267 | $2,040-37.9% | $3,866-67.2% | $2,177-41.8% |
| Participant deferral / active EE | $3,207 | $3,538-9.4% | $4,937-35.0% | $3,514-8.7% |
| Admin fee / account holder | $1,142 | $609+87.3% | $9,704-88.2% | $847+34.7% |