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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 | $163,930 | $100,194+63.6% | $122,979+33.3% | $86,983+88.5% |
| Participation rate | 63.6% | 73.0%-9.3pp | 77.2%-13.6pp | 69.5%-5.9pp |
| Annual return | 12.73% | 16.47%-3.7pp | 20.12%-7.4pp | 25.83%-13.1pp |
| Employer contribution / active EE | $1,091 | $2,326-53.1% | $3,062-64.4% | $2,584-57.8% |
| Participant deferral / active EE | $6,773 | $4,133+63.9% | $5,003+35.4% | $4,194+61.5% |
| Admin fee / account holder | $4,483 | $10,148-55.8% | $12,864-65.2% | $7,856-42.9% |