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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 | $243,157 | $29,319+729.3% | $52,425+363.8% | $82,448+194.9% |
| Participation rate | 25.9% | 46.9%-20.9pp | 55.6%-29.7pp | 68.1%-42.1pp |
| Annual return | 16.03% | 535.20%-519.2pp | 302.12%-286.1pp | 41.64%-25.6pp |
| Employer contribution / active EE | $954 | $586+62.7% | $914+4.4% | $2,551-62.6% |
| Participant deferral / active EE | $2,630 | $1,171+124.5% | $1,790+46.9% | $4,139-36.5% |
| Admin fee / account holder | $11,966 | $1,962+509.8% | $2,495+379.6% | $7,234+65.4% |