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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 | $118,076 | $81,476+44.9% | $102,383+15.3% | $80,925+45.9% |
| Participation rate | 40.5% | 66.8%-26.3pp | 74.5%-34.0pp | 67.7%-27.1pp |
| Annual return | 21.52% | 25.59%-4.1pp | 24.94%-3.4pp | 35.65%-14.1pp |
| Employer contribution / active EE | $1,420 | $3,105-54.3% | $3,870-63.3% | $2,756-48.5% |
| Participant deferral / active EE | $3,356 | $3,871-13.3% | $5,060-33.7% | $4,299-21.9% |
| Admin fee / account holder | $2,182 | $6,717-67.5% | $8,391-74.0% | $6,940-68.6% |