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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 | $236,490 | $78,690+200.5% | $161,489+46.4% | $87,485+170.3% |
| Participation rate | 66.7% | 67.5%-0.8pp | 78.7%-12.0pp | 68.9%-2.3pp |
| Annual return | 13.39% | 32.74%-19.4pp | 89.72%-76.3pp | 26.06%-12.7pp |
| Employer contribution / active EE | $1,248 | $2,588-51.8% | $4,268-70.8% | $2,596-51.9% |
| Participant deferral / active EE | $6,784 | $3,311+104.9% | $5,630+20.5% | $4,274+58.8% |
| Admin fee / account holder | $4,202 | $6,724-37.5% | $16,006-73.7% | $7,775-46.0% |