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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 | $199,646 | $81,358+145.4% | $155,556+28.3% | $80,959+146.6% |
| Participation rate | 46.2% | 66.3%-20.1pp | 78.2%-32.1pp | 67.7%-21.5pp |
| Annual return | 17.15% | 33.39%-16.2pp | 64.84%-47.7pp | 35.67%-18.5pp |
| Employer contribution / active EE | $2,202 | $3,106-29.1% | $4,675-52.9% | $2,757-20.1% |
| Participant deferral / active EE | $4,330 | $3,455+25.3% | $5,631-23.1% | $4,300+0.7% |
| Admin fee / account holder | $3,569 | $7,994-55.3% | $15,885-77.5% | $6,925-48.5% |