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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 | $171,621 | $77,814+120.6% | $158,223+8.5% | $86,983+97.3% |
| Participation rate | 52.0% | 68.4%-16.4pp | 79.2%-27.2pp | 69.5%-17.5pp |
| Annual return | 13.15% | 30.54%-17.4pp | 52.09%-38.9pp | 25.83%-12.7pp |
| Employer contribution / active EE | $1,601 | $2,592-38.2% | $4,109-61.0% | $2,584-38.0% |
| Participant deferral / active EE | $4,339 | $3,270+32.7% | $5,467-20.6% | $4,194+3.5% |
| Admin fee / account holder | $1,515 | $5,879-74.2% | $16,047-90.6% | $7,856-80.7% |