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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 | $71,706 | $76,834-6.7% | $108,359-33.8% | $87,485-18.0% |
| Participation rate | 48.6% | 61.7%-13.2pp | 70.1%-21.6pp | 68.9%-20.4pp |
| Annual return | 18.45% | 19.09%-0.6pp | 36.89%-18.4pp | 26.06%-7.6pp |
| Employer contribution / active EE | $952 | $1,556-38.8% | $2,399-60.3% | $2,596-63.3% |
| Participant deferral / active EE | $2,208 | $3,100-28.8% | $4,137-46.6% | $4,274-48.3% |
| Admin fee / account holder | $876 | $6,537-86.6% | $9,741-91.0% | $7,775-88.7% |