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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 | $139,147 | $43,496+219.9% | $161,489-13.8% | $64,340+116.3% |
| Participation rate | 31.0% | 53.5%-22.5pp | 78.7%-47.7pp | 55.2%-24.2pp |
| Annual return | 19.25% | 20.76%-1.5pp | 89.72%-70.5pp | 24.14%-4.9pp |
| Employer contribution / active EE | $393 | $1,431-72.6% | $4,268-90.8% | $1,862-78.9% |
| Participant deferral / active EE | $3,654 | $1,996+83.1% | $5,630-35.1% | $2,980+22.6% |
| Admin fee / account holder | $1,131 | $2,330-51.5% | $16,006-92.9% | $3,703-69.4% |