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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 | $185,009 | $135,645+36.4% | $110,243+67.8% | $135,380+36.7% |
| Participation rate | 45.5% | 83.5%-38.0pp | 79.8%-34.4pp | 82.6%-37.2pp |
| Annual return | -5.63% | 513.24%-518.9pp | 314.76%-320.4pp | 519.81%-525.4pp |
| Employer contribution / active EE | $1,111 | $4,907-77.4% | $3,827-71.0% | $4,779-76.8% |
| Participant deferral / active EE | $5,332 | $5,507-3.2% | $4,672+14.1% | $5,609-4.9% |
| Admin fee / account holder | $2,917 | $11,458-74.5% | $8,548-65.9% | $10,828-73.1% |