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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 | $160,371 | $58,627+173.5% | $76,735+109.0% | $82,448+94.5% |
| Participation rate | 55.2% | 63.2%-8.0pp | 69.5%-14.3pp | 68.1%-12.9pp |
| Annual return | 13.36% | 39.10%-25.7pp | 29.77%-16.4pp | 41.64%-28.3pp |
| Employer contribution / active EE | $932 | $1,729-46.1% | $2,454-62.0% | $2,551-63.5% |
| Participant deferral / active EE | $2,888 | $3,134-7.8% | $4,088-29.4% | $4,139-30.2% |
| Admin fee / account holder | $4,966 | $5,323-6.7% | $7,189-30.9% | $7,234-31.4% |