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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 | $152,211 | $81,504+86.8% | $102,437+48.6% | $80,959+88.0% |
| Participation rate | 41.9% | 66.9%-24.9pp | 74.5%-32.6pp | 67.7%-25.7pp |
| Annual return | 39.52% | 25.60%+13.9pp | 24.95%+14.6pp | 35.67%+3.9pp |
| Employer contribution / active EE | $2,818 | $3,104-9.2% | $3,871-27.2% | $2,757+2.2% |
| Participant deferral / active EE | $4,877 | $3,871+26.0% | $5,060-3.6% | $4,300+13.4% |
| Admin fee / account holder | $1,352 | $6,719-79.9% | $8,388-83.9% | $6,925-80.5% |