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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 | $171,394 | $108,825+57.5% | $156,181+9.7% | $82,448+107.9% |
| Participation rate | 58.8% | 72.4%-13.5pp | 78.8%-20.0pp | 68.1%-9.2pp |
| Annual return | 18.29% | 20.59%-2.3pp | 64.87%-46.6pp | 41.64%-23.4pp |
| Employer contribution / active EE | $1,178 | $2,870-59.0% | $4,294-72.6% | $2,551-53.8% |
| Participant deferral / active EE | $5,044 | $4,577+10.2% | $6,132-17.7% | $4,139+21.9% |
| Admin fee / account holder | $5,276 | $9,341-43.5% | $14,586-63.8% | $7,234-27.1% |