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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 | $176,237 | $83,898+110.1% | $133,346+32.2% | $94,015+87.5% |
| Participation rate | 35.9% | 63.4%-27.5pp | 72.8%-37.0pp | 70.8%-34.9pp |
| Annual return | 15.78% | 16.00%-0.2pp | 36.85%-21.1pp | 17.84%-2.1pp |
| Employer contribution / active EE | $1,321 | $1,821-27.5% | $2,853-53.7% | $2,790-52.7% |
| Participant deferral / active EE | $2,002 | $3,245-38.3% | $4,332-53.8% | $4,249-52.9% |
| Admin fee / account holder | $20,600 | $7,809+163.8% | $14,264+44.4% | $8,951+130.1% |