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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 | $126,571 | $100,194+26.3% | $122,979+2.9% | $86,983+45.5% |
| Participation rate | 54.0% | 73.0%-19.0pp | 77.2%-23.2pp | 69.5%-15.5pp |
| Annual return | 17.85% | 16.47%+1.4pp | 20.12%-2.3pp | 25.83%-8.0pp |
| Employer contribution / active EE | $2,038 | $2,326-12.4% | $3,062-33.4% | $2,584-21.1% |
| Participant deferral / active EE | $4,334 | $4,133+4.9% | $5,003-13.4% | $4,194+3.4% |
| Admin fee / account holder | $899 | $10,148-91.1% | $12,864-93.0% | $7,856-88.6% |