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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 | $204,292 | $67,894+200.9% | $89,340+128.7% | $82,448+147.8% |
| Participation rate | 55.6% | 64.0%-8.5pp | 69.6%-14.0pp | 68.1%-12.5pp |
| Annual return | 16.91% | 19.21%-2.3pp | 20.57%-3.7pp | 41.64%-24.7pp |
| Employer contribution / active EE | $2,010 | $1,828+9.9% | $2,231-9.9% | $2,551-21.2% |
| Participant deferral / active EE | $4,554 | $3,072+48.2% | $3,823+19.1% | $4,139+10.0% |
| Admin fee / account holder | $1,448 | $5,723-74.7% | $6,704-78.4% | $7,234-80.0% |