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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 | $91,430 | $78,027+17.2% | $178,528-48.8% | $80,925+13.0% |
| Participation rate | 38.5% | 65.7%-27.2pp | 77.1%-38.6pp | 67.7%-29.2pp |
| Annual return | 15.02% | 18.09%-3.1pp | 27.11%-12.1pp | 35.65%-20.6pp |
| Employer contribution / active EE | $2,918 | $2,281+27.9% | $3,950-26.1% | $2,756+5.9% |
| Participant deferral / active EE | $6,099 | $4,408+38.4% | $6,278-2.9% | $4,299+41.9% |
| Admin fee / account holder | $2,865 | $7,168-60.0% | $10,419-72.5% | $6,940-58.7% |