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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 | $186,144 | $78,015+138.6% | $178,505+4.3% | $80,959+129.9% |
| Participation rate | 62.3% | 65.7%-3.3pp | 77.1%-14.8pp | 67.7%-5.3pp |
| Annual return | 15.64% | 18.10%-2.5pp | 27.16%-11.5pp | 35.67%-20.0pp |
| Employer contribution / active EE | $583 | $2,281-74.5% | $3,955-85.3% | $2,757-78.9% |
| Participant deferral / active EE | $5,399 | $4,406+22.6% | $6,280-14.0% | $4,300+25.6% |
| Admin fee / account holder | $26,300 | $7,160+267.3% | $10,428+152.2% | $6,925+279.8% |