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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 | $162,382 | $86,919+86.8% | $102,457+58.5% | $80,911+100.7% |
| Participation rate | 48.1% | 72.4%-24.2pp | 76.5%-28.3pp | 67.6%-19.5pp |
| Annual return | 11.48% | 18.90%-7.4pp | 29.41%-17.9pp | 35.63%-24.2pp |
| Employer contribution / active EE | $1,365 | $2,368-42.4% | $3,022-54.8% | $2,756-50.5% |
| Participant deferral / active EE | $3,453 | $4,119-16.2% | $5,054-31.7% | $4,297-19.7% |
| Admin fee / account holder | $2,880 | $8,049-64.2% | $9,451-69.5% | $6,935-58.5% |