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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 | $240,897 | $76,407+215.3% | $150,298+60.3% | $82,448+192.2% |
| Participation rate | 38.4% | 66.4%-28.0pp | 77.8%-39.4pp | 68.1%-29.7pp |
| Annual return | 14.57% | 39.99%-25.4pp | 62.79%-48.2pp | 41.64%-27.1pp |
| Employer contribution / active EE | $1,736 | $2,614-33.6% | $4,154-58.2% | $2,551-32.0% |
| Participant deferral / active EE | $4,899 | $3,214+52.4% | $5,453-10.2% | $4,139+18.4% |
| Admin fee / account holder | $4,638 | $6,352-27.0% | $14,116-67.1% | $7,234-35.9% |