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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 | $129,491 | $29,319+341.7% | $52,425+147.0% | $82,448+57.1% |
| Participation rate | 29.1% | 46.9%-17.8pp | 55.6%-26.6pp | 68.1%-39.0pp |
| Annual return | 15.30% | 535.20%-519.9pp | 302.12%-286.8pp | 41.64%-26.3pp |
| Employer contribution / active EE | $888 | $586+51.5% | $914-2.8% | $2,551-65.2% |
| Participant deferral / active EE | $2,057 | $1,171+75.6% | $1,790+14.9% | $4,139-50.3% |
| Admin fee / account holder | $24,749 | $1,962+1161.3% | $2,495+892.0% | $7,234+242.1% |