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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 | $115,936 | $95,453+21.5% | $112,040+3.5% | $82,448+40.6% |
| Participation rate | 34.4% | 72.8%-38.4pp | 76.5%-42.1pp | 68.1%-33.7pp |
| Annual return | 14.15% | 23.92%-9.8pp | 24.52%-10.4pp | 41.64%-27.5pp |
| Employer contribution / active EE | $1,027 | $2,318-55.7% | $2,954-65.2% | $2,551-59.7% |
| Participant deferral / active EE | $2,903 | $4,224-31.3% | $5,098-43.1% | $4,139-29.9% |
| Admin fee / account holder | $6,233 | $9,013-30.9% | $12,098-48.5% | $7,234-13.8% |