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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 | $176,832 | $76,407+131.4% | $150,298+17.7% | $82,448+114.5% |
| Participation rate | 65.1% | 66.4%-1.3pp | 77.8%-12.6pp | 68.1%-3.0pp |
| Annual return | 14.99% | 39.99%-25.0pp | 62.79%-47.8pp | 41.64%-26.6pp |
| Employer contribution / active EE | $3,904 | $2,614+49.3% | $4,154-6.0% | $2,551+53.0% |
| Participant deferral / active EE | $5,146 | $3,214+60.1% | $5,453-5.6% | $4,139+24.3% |
| Admin fee / account holder | $6,564 | $6,352+3.3% | $14,116-53.5% | $7,234-9.3% |