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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 | $117,811 | $63,082+86.8% | $81,726+44.2% | $79,856+47.5% |
| Participation rate | 58.3% | 67.5%-9.2pp | 72.0%-13.7pp | 69.6%-11.3pp |
| Annual return | 9.94% | 22.66%-12.7pp | 29.49%-19.6pp | 31.71%-21.8pp |
| Employer contribution / active EE | $1,632 | $1,795-9.1% | $4,311-62.1% | $2,471-34.0% |
| Participant deferral / active EE | $4,143 | $2,780+49.0% | $7,108-41.7% | $3,741+10.7% |
| Admin fee / account holder | $5,481 | $4,428+23.8% | $5,160+6.2% | $5,306+3.3% |