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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 | $95,230 | $57,073+66.9% | $85,126+11.9% | $80,925+17.7% |
| Participation rate | 57.7% | 56.4%+1.3pp | 67.5%-9.8pp | 67.7%-10.0pp |
| Annual return | 13.21% | 21.69%-8.5pp | 66.63%-53.4pp | 35.65%-22.4pp |
| Employer contribution / active EE | $2,213 | $1,801+22.9% | $2,731-19.0% | $2,756-19.7% |
| Participant deferral / active EE | $4,216 | $3,113+35.4% | $4,523-6.8% | $4,299-1.9% |
| Admin fee / account holder | $8,151 | $4,988+63.4% | $6,160+32.3% | $6,940+17.4% |