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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 | $128,695 | $93,345+37.9% | $119,126+8.0% | $87,485+47.1% |
| Participation rate | 51.4% | 68.7%-17.4pp | 75.8%-24.4pp | 68.9%-17.6pp |
| Annual return | 12.73% | 19.08%-6.3pp | 282.11%-269.4pp | 26.06%-13.3pp |
| Employer contribution / active EE | $2,367 | $3,172-25.4% | $4,034-41.3% | $2,596-8.8% |
| Participant deferral / active EE | $4,111 | $4,099+0.3% | $5,318-22.7% | $4,274-3.8% |
| Admin fee / account holder | $50,846 | $8,039+532.5% | $10,693+375.5% | $7,775+554.0% |