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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 | $150,844 | $95,453+58.0% | $112,040+34.6% | $82,448+83.0% |
| Participation rate | 62.5% | 72.8%-10.3pp | 76.5%-14.0pp | 68.1%-5.6pp |
| Annual return | 12.73% | 23.92%-11.2pp | 24.52%-11.8pp | 41.64%-28.9pp |
| Employer contribution / active EE | $917 | $2,318-60.5% | $2,954-69.0% | $2,551-64.1% |
| Participant deferral / active EE | $2,799 | $4,224-33.7% | $5,098-45.1% | $4,139-32.4% |
| Admin fee / account holder | $14,488 | $9,013+60.7% | $12,098+19.8% | $7,234+100.3% |