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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 | $126,513 | $95,404+32.6% | $113,397+11.6% | $82,637+53.1% |
| Participation rate | 68.9% | 72.8%-3.9pp | 76.5%-7.6pp | 68.1%+0.8pp |
| Annual return | 14.35% | 19.08%-4.7pp | 23.20%-8.8pp | 53.51%-39.2pp |
| Employer contribution / active EE | $1,898 | $2,307-17.7% | $2,977-36.3% | $2,552-25.6% |
| Participant deferral / active EE | $5,420 | $4,220+28.4% | $5,076+6.8% | $4,126+31.4% |
| Admin fee / account holder | $2,691 | $9,168-70.6% | $11,957-77.5% | $7,339-63.3% |