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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 | $173,696 | $101,950+70.4% | $125,529+38.4% | $86,983+99.7% |
| Participation rate | 48.3% | 70.2%-21.9pp | 74.7%-26.4pp | 69.5%-21.3pp |
| Annual return | 13.39% | 18.29%-4.9pp | 202.56%-189.2pp | 25.83%-12.4pp |
| Employer contribution / active EE | $1,433 | $2,358-39.2% | $3,058-53.1% | $2,584-44.6% |
| Participant deferral / active EE | $6,447 | $3,862+66.9% | $4,813+34.0% | $4,194+53.7% |
| Admin fee / account holder | $12,957 | $12,791+1.3% | $16,298-20.5% | $7,856+64.9% |