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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 | $171,239 | $76,407+124.1% | $150,298+13.9% | $82,448+107.7% |
| Participation rate | 25.9% | 66.4%-40.5pp | 77.8%-51.8pp | 68.1%-42.1pp |
| Annual return | 15.86% | 39.99%-24.1pp | 62.79%-46.9pp | 41.64%-25.8pp |
| Employer contribution / active EE | $797 | $2,614-69.5% | $4,154-80.8% | $2,551-68.8% |
| Participant deferral / active EE | $1,412 | $3,214-56.1% | $5,453-74.1% | $4,139-65.9% |
| Admin fee / account holder | $7,543 | $6,352+18.7% | $14,116-46.6% | $7,234+4.3% |