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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 | $157,538 | $57,352+174.7% | $83,831+87.9% | $64,173+145.5% |
| Participation rate | 20.0% | 68.6%-48.6pp | 76.1%-56.1pp | 69.6%-49.6pp |
| Annual return | -4.36% | 11.38%-15.7pp | 850.99%-855.3pp | 7.63%-12.0pp |
| Employer contribution / active EE | $665 | $2,546-73.9% | $3,631-81.7% | $2,381-72.1% |
| Participant deferral / active EE | $1,224 | $2,993-59.1% | $4,082-70.0% | $3,470-64.7% |
| Admin fee / account holder | $4,749 | $4,046+17.4% | $5,479-13.3% | $4,887-2.8% |