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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 | $195,874 | $80,674+142.8% | $119,126+64.4% | $64,340+204.4% |
| Participation rate | 31.5% | 55.2%-23.7pp | 75.8%-44.2pp | 55.2%-23.7pp |
| Annual return | 12.94% | 26.86%-13.9pp | 282.11%-269.2pp | 24.14%-11.2pp |
| Employer contribution / active EE | $733 | $2,564-71.4% | $4,034-81.8% | $1,862-60.6% |
| Participant deferral / active EE | $2,611 | $3,053-14.5% | $5,318-50.9% | $2,980-12.4% |
| Admin fee / account holder | $1,299 | $4,559-71.5% | $10,693-87.9% | $3,703-64.9% |