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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 | $143,921 | $76,407+88.4% | $150,298-4.2% | $82,448+74.6% |
| Participation rate | 27.0% | 66.4%-39.4pp | 77.8%-50.7pp | 68.1%-41.0pp |
| Annual return | 16.97% | 39.99%-23.0pp | 62.79%-45.8pp | 41.64%-24.7pp |
| Employer contribution / active EE | $870 | $2,614-66.7% | $4,154-79.1% | $2,551-65.9% |
| Participant deferral / active EE | $3,047 | $3,214-5.2% | $5,453-44.1% | $4,139-26.4% |
| Admin fee / account holder | $4,317 | $6,352-32.0% | $14,116-69.4% | $7,234-40.3% |