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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 | $196,215 | $105,200+86.5% | $159,474+23.0% | $85,847+128.6% |
| Participation rate | 46.3% | 75.8%-29.4pp | 82.8%-36.5pp | 69.3%-23.0pp |
| Annual return | 15.47% | 45.08%-29.6pp | 263.68%-248.2pp | 318.61%-303.1pp |
| Employer contribution / active EE | $1,876 | $3,319-43.5% | $4,831-61.2% | $2,565-26.9% |
| Participant deferral / active EE | $3,929 | $5,946-33.9% | $7,353-46.6% | $3,952-0.6% |
| Admin fee / account holder | $10,724 | $6,934+54.7% | $10,802-0.7% | $6,261+71.3% |