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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 | $86,484 | $88,672-2.5% | $105,223-17.8% | $82,448+4.9% |
| Participation rate | 19.4% | 67.9%-48.5pp | 75.0%-55.6pp | 68.1%-48.6pp |
| Annual return | 19.08% | 30.86%-11.8pp | 180.65%-161.6pp | 41.64%-22.6pp |
| Employer contribution / active EE | $1,361 | $3,048-55.3% | $3,689-63.1% | $2,551-46.6% |
| Participant deferral / active EE | $3,212 | $4,036-20.4% | $5,072-36.7% | $4,139-22.4% |
| Admin fee / account holder | $21,942 | $7,146+207.1% | $8,859+147.7% | $7,234+203.3% |