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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 | $40,187 | $29,319+37.1% | $52,425-23.3% | $82,448-51.3% |
| Participation rate | 17.9% | 46.9%-28.9pp | 55.6%-37.7pp | 68.1%-50.1pp |
| Annual return | 22.04% | 535.20%-513.2pp | 302.12%-280.1pp | 41.64%-19.6pp |
| Employer contribution / active EE | $360 | $586-38.6% | $914-60.6% | $2,551-85.9% |
| Participant deferral / active EE | $1,017 | $1,171-13.2% | $1,790-43.2% | $4,139-75.4% |
| Admin fee / account holder | $3,188 | $1,962+62.5% | $2,495+27.8% | $7,234-55.9% |