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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 | $31,793 | $45,050-29.4% | $63,018-49.5% | $70,126-54.7% |
| Participation rate | 34.1% | 69.5%-35.4pp | 74.8%-40.7pp | 69.5%-35.4pp |
| Annual return | 18.52% | 18.76%-0.2pp | 87.62%-69.1pp | 73.15%-54.6pp |
| Employer contribution / active EE | $640 | $2,052-68.8% | $2,761-76.8% | $2,343-72.7% |
| Participant deferral / active EE | $797 | $2,466-67.7% | $3,330-76.1% | $3,332-76.1% |
| Admin fee / account holder | $4,314 | $2,834+52.2% | $3,601+19.8% | $4,645-7.1% |