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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 | $186,305 | $95,453+95.2% | $112,040+66.3% | $82,448+126.0% |
| Participation rate | 67.9% | 72.8%-4.8pp | 76.5%-8.5pp | 68.1%-0.1pp |
| Annual return | 13.79% | 23.92%-10.1pp | 24.52%-10.7pp | 41.64%-27.9pp |
| Employer contribution / active EE | $3,102 | $2,318+33.8% | $2,954+5.0% | $2,551+21.6% |
| Participant deferral / active EE | $4,802 | $4,224+13.7% | $5,098-5.8% | $4,139+16.0% |
| Admin fee / account holder | $1,770 | $9,013-80.4% | $12,098-85.4% | $7,234-75.5% |