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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 | $56,169 | $56,894-1.3% | $84,753-33.7% | $62,881-10.7% |
| Participation rate | 48.5% | 68.5%-20.1pp | 76.6%-28.1pp | 69.3%-20.8pp |
| Annual return | 7.85% | 6.30%+1.6pp | 22.78%-14.9pp | 20.14%-12.3pp |
| Employer contribution / active EE | $1,396 | $2,400-41.8% | $3,574-61.0% | $2,281-38.8% |
| Participant deferral / active EE | $3,487 | $2,709+28.7% | $3,712-6.1% | $3,203+8.9% |
| Admin fee / account holder | $4,638 | $3,581+29.5% | $5,333-13.0% | $4,296+8.0% |