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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 | $129,745 | $81,476+59.2% | $102,383+26.7% | $80,925+60.3% |
| Participation rate | 65.5% | 66.8%-1.3pp | 74.5%-9.0pp | 67.7%-2.1pp |
| Annual return | 11.85% | 25.59%-13.7pp | 24.94%-13.1pp | 35.65%-23.8pp |
| Employer contribution / active EE | $2,547 | $3,105-18.0% | $3,870-34.2% | $2,756-7.6% |
| Participant deferral / active EE | $4,942 | $3,871+27.7% | $5,060-2.3% | $4,299+15.0% |
| Admin fee / account holder | $1,002 | $6,717-85.1% | $8,391-88.1% | $6,940-85.6% |