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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 | $136,983 | $77,896+75.9% | $134,172+2.1% | $82,448+66.1% |
| Participation rate | 37.5% | 62.8%-25.3pp | 72.5%-35.0pp | 68.1%-30.6pp |
| Annual return | 16.52% | 18.21%-1.7pp | 25.30%-8.8pp | 41.64%-25.1pp |
| Employer contribution / active EE | $1,734 | $2,159-19.7% | $3,420-49.3% | $2,551-32.0% |
| Participant deferral / active EE | $2,125 | $3,162-32.8% | $4,690-54.7% | $4,139-48.7% |
| Admin fee / account holder | $2,574 | $6,336-59.4% | $12,016-78.6% | $7,234-64.4% |