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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 | $155,776 | $63,845+144.0% | $81,370+91.4% | $80,959+92.4% |
| Participation rate | 48.4% | 63.9%-15.5pp | 69.5%-21.2pp | 67.7%-19.3pp |
| Annual return | 11.76% | 16.37%-4.6pp | 24.85%-13.1pp | 35.67%-23.9pp |
| Employer contribution / active EE | $1,778 | $1,980-10.2% | $2,464-27.8% | $2,757-35.5% |
| Participant deferral / active EE | $3,312 | $3,093+7.1% | $3,885-14.8% | $4,300-23.0% |
| Admin fee / account holder | $13,707 | $5,688+141.0% | $5,749+138.4% | $6,925+97.9% |