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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 | $137,195 | $93,345+47.0% | $119,126+15.2% | $87,485+56.8% |
| Participation rate | 51.5% | 68.7%-17.2pp | 75.8%-24.2pp | 68.9%-17.4pp |
| Annual return | 16.81% | 19.08%-2.3pp | 282.11%-265.3pp | 26.06%-9.3pp |
| Employer contribution / active EE | $2,892 | $3,172-8.8% | $4,034-28.3% | $2,596+11.4% |
| Participant deferral / active EE | $5,307 | $4,099+29.5% | $5,318-0.2% | $4,274+24.2% |
| Admin fee / account holder | $1,515 | $8,039-81.2% | $10,693-85.8% | $7,775-80.5% |