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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 | $87,696 | $108,825-19.4% | $156,181-43.8% | $82,448+6.4% |
| Participation rate | 69.4% | 72.4%-2.9pp | 78.8%-9.4pp | 68.1%+1.4pp |
| Annual return | 16.82% | 20.59%-3.8pp | 64.87%-48.1pp | 41.64%-24.8pp |
| Employer contribution / active EE | $2,273 | $2,870-20.8% | $4,294-47.1% | $2,551-10.9% |
| Participant deferral / active EE | $4,650 | $4,577+1.6% | $6,132-24.2% | $4,139+12.3% |
| Admin fee / account holder | $630 | $9,341-93.3% | $14,586-95.7% | $7,234-91.3% |