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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 | $222,074 | $101,798+118.2% | $165,071+34.5% | $80,935+174.4% |
| Participation rate | 42.9% | 71.8%-29.0pp | 78.6%-35.8pp | 67.7%-24.8pp |
| Annual return | 24.51% | 16.73%+7.8pp | 70.17%-45.7pp | 35.66%-11.1pp |
| Employer contribution / active EE | $1,746 | $2,954-40.9% | $4,347-59.8% | $2,757-36.7% |
| Participant deferral / active EE | $5,597 | $4,476+25.0% | $6,035-7.3% | $4,299+30.2% |
| Admin fee / account holder | $43,849 | $8,221+433.3% | $12,695+245.4% | $6,924+533.2% |