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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 | $128,236 | $101,778+26.0% | $164,975-22.3% | $80,925+58.5% |
| Participation rate | 39.0% | 71.8%-32.8pp | 78.6%-39.6pp | 67.7%-28.6pp |
| Annual return | 12.92% | 16.73%-3.8pp | 70.12%-57.2pp | 35.65%-22.7pp |
| Employer contribution / active EE | $2,123 | $2,954-28.1% | $4,343-51.1% | $2,756-23.0% |
| Participant deferral / active EE | $3,890 | $4,477-13.1% | $6,033-35.5% | $4,299-9.5% |
| Admin fee / account holder | $19,541 | $8,221+137.7% | $12,688+54.0% | $6,940+181.6% |