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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 | $197,741 | $69,444+184.7% | $92,985+112.7% | $87,485+126.0% |
| Participation rate | 45.5% | 63.3%-17.8pp | 69.5%-24.0pp | 68.9%-23.5pp |
| Annual return | 13.34% | 23.85%-10.5pp | 27.99%-14.6pp | 26.06%-12.7pp |
| Employer contribution / active EE | $0 | $1,917-100.0% | $2,662-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,540 | $3,364-24.5% | $4,377-42.0% | $4,274-40.6% |
| Admin fee / account holder | $2,858 | $6,137-53.4% | $9,463-69.8% | $7,775-63.2% |