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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 | $146,071 | $88,672+64.7% | $105,223+38.8% | $82,448+77.2% |
| Participation rate | 48.8% | 67.9%-19.1pp | 75.0%-26.2pp | 68.1%-19.2pp |
| Annual return | 16.41% | 30.86%-14.4pp | 180.65%-164.2pp | 41.64%-25.2pp |
| Employer contribution / active EE | $1,414 | $3,048-53.6% | $3,689-61.7% | $2,551-44.6% |
| Participant deferral / active EE | $3,296 | $4,036-18.3% | $5,072-35.0% | $4,139-20.4% |
| Admin fee / account holder | $4,437 | $7,146-37.9% | $8,859-49.9% | $7,234-38.7% |