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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 | $77,151 | $86,341-10.6% | $125,195-38.4% | $65,186+18.4% |
| Participation rate | 40.5% | 75.3%-34.8pp | 79.8%-39.3pp | 70.2%-29.7pp |
| Annual return | 22.00% | 27.44%-5.4pp | 43.79%-21.8pp | 29.39%-7.4pp |
| Employer contribution / active EE | $1,281 | $2,040-37.2% | $3,866-66.9% | $2,177-41.2% |
| Participant deferral / active EE | $2,375 | $3,538-32.9% | $4,937-51.9% | $3,514-32.4% |
| Admin fee / account holder | $15,691 | $609+2475.0% | $9,704+61.7% | $847+1752.0% |