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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 | $128,500 | $81,504+57.7% | $102,437+25.4% | $80,959+58.7% |
| Participation rate | 64.8% | 66.9%-2.0pp | 74.5%-9.7pp | 67.7%-2.9pp |
| Annual return | 13.23% | 25.60%-12.4pp | 24.95%-11.7pp | 35.67%-22.4pp |
| Employer contribution / active EE | $2,896 | $3,104-6.7% | $3,871-25.2% | $2,757+5.0% |
| Participant deferral / active EE | $3,115 | $3,871-19.5% | $5,060-38.4% | $4,300-27.6% |
| Admin fee / account holder | $6,293 | $6,719-6.3% | $8,388-25.0% | $6,925-9.1% |