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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 | $88,672+54.7% | $105,223+30.4% | $82,448+66.4% |
| Participation rate | 51.5% | 67.9%-16.4pp | 75.0%-23.5pp | 68.1%-16.6pp |
| Annual return | 16.81% | 30.86%-14.0pp | 180.65%-163.8pp | 41.64%-24.8pp |
| Employer contribution / active EE | $2,892 | $3,048-5.1% | $3,689-21.6% | $2,551+13.4% |
| Participant deferral / active EE | $5,307 | $4,036+31.5% | $5,072+4.6% | $4,139+28.2% |
| Admin fee / account holder | $1,515 | $7,146-78.8% | $8,859-82.9% | $7,234-79.1% |