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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 | $124,468 | $97,550+27.6% | $120,344+3.4% | $87,485+42.3% |
| Participation rate | 46.3% | 72.8%-26.6pp | 76.7%-30.4pp | 68.9%-22.7pp |
| Annual return | 14.18% | 18.41%-4.2pp | 20.30%-6.1pp | 26.06%-11.9pp |
| Employer contribution / active EE | $1,726 | $2,291-24.6% | $3,020-42.8% | $2,596-33.5% |
| Participant deferral / active EE | $3,032 | $4,230-28.3% | $5,135-41.0% | $4,274-29.1% |
| Admin fee / account holder | $1,966 | $9,543-79.4% | $12,742-84.6% | $7,775-74.7% |