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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 | $55,204 | $114,712-51.9% | $173,730-68.2% | $87,485-36.9% |
| Participation rate | 48.7% | 73.0%-24.3pp | 79.6%-30.9pp | 68.9%-20.2pp |
| Annual return | 35.17% | 20.18%+15.0pp | 19.96%+15.2pp | 26.06%+9.1pp |
| Employer contribution / active EE | $1,942 | $2,904-33.1% | $4,577-57.6% | $2,596-25.2% |
| Participant deferral / active EE | $3,769 | $4,642-18.8% | $6,326-40.4% | $4,274-11.8% |
| Admin fee / account holder | $4,515 | $10,210-55.8% | $17,523-74.2% | $7,775-41.9% |