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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 | $106,553 | $69,444+53.4% | $92,985+14.6% | $87,485+21.8% |
| Participation rate | 59.6% | 63.3%-3.7pp | 69.5%-9.9pp | 68.9%-9.4pp |
| Annual return | 13.96% | 23.85%-9.9pp | 27.99%-14.0pp | 26.06%-12.1pp |
| Employer contribution / active EE | $1,641 | $1,917-14.4% | $2,662-38.4% | $2,596-36.8% |
| Participant deferral / active EE | $3,742 | $3,364+11.2% | $4,377-14.5% | $4,274-12.4% |
| Admin fee / account holder | $9,122 | $6,137+48.6% | $9,463-3.6% | $7,775+17.3% |