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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 | $248,214 | $122,962+101.9% | $71,585+246.7% | $138,895+78.7% |
| Participation rate | 53.3% | 68.9%-15.5pp | 68.2%-14.8pp | 79.9%-26.6pp |
| Annual return | 13.75% | 37.84%-24.1pp | 59.26%-45.5pp | 145.39%-131.6pp |
| Employer contribution / active EE | $1,938 | $2,620-26.0% | $1,669+16.2% | $4,194-53.8% |
| Participant deferral / active EE | $2,382 | $4,311-44.7% | $2,923-18.5% | $6,396-62.8% |
| Admin fee / account holder | $864 | $6,488-86.7% | $4,712-81.7% | $12,562-93.1% |