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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 | $9,615 | $16,790-42.7% | $64,489-85.1% | $67,986-85.9% |
| Participation rate | 69.7% | 62.4%+7.3pp | 67.7%+2.0pp | 57.2%+12.5pp |
| Annual return | 19.95% | 30.55%-10.6pp | 55.03%-35.1pp | 31.67%-11.7pp |
| Employer contribution / active EE | $543 | $648-16.1% | $1,523-64.3% | $2,019-73.1% |
| Participant deferral / active EE | $1,535 | $1,510+1.7% | $2,778-44.7% | $3,358-54.3% |
| Admin fee / account holder | $1,012 | $1,690-40.1% | $4,260-76.2% | $3,203-68.4% |