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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 | $47,689 | $37,446+27.4% | $77,513-38.5% | $79,852-40.3% |
| Participation rate | 32.1% | 41.5%-9.4pp | 54.2%-22.0pp | 69.6%-37.5pp |
| Annual return | 13.69% | 39.76%-26.1pp | 54.81%-41.1pp | 31.72%-18.0pp |
| Employer contribution / active EE | $484 | $637-24.0% | $987-50.9% | $2,471-80.4% |
| Participant deferral / active EE | $1,025 | $1,261-18.7% | $1,861-44.9% | $3,740-72.6% |
| Admin fee / account holder | $371 | $2,506-85.2% | $2,859-87.0% | $5,306-93.0% |