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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 | $131,432 | $95,453+37.7% | $112,040+17.3% | $82,448+59.4% |
| Participation rate | 54.3% | 72.8%-18.5pp | 76.5%-22.2pp | 68.1%-13.8pp |
| Annual return | 15.68% | 23.92%-8.2pp | 24.52%-8.8pp | 41.64%-26.0pp |
| Employer contribution / active EE | $1,844 | $2,318-20.4% | $2,954-37.6% | $2,551-27.7% |
| Participant deferral / active EE | $4,303 | $4,224+1.9% | $5,098-15.6% | $4,139+4.0% |
| Admin fee / account holder | $31,637 | $9,013+251.0% | $12,098+161.5% | $7,234+337.3% |