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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 | $149,604 | $64,010+133.7% | $108,359+38.1% | $64,340+132.5% |
| Participation rate | 48.1% | 49.4%-1.3pp | 70.1%-22.0pp | 55.2%-7.2pp |
| Annual return | 17.74% | 19.74%-2.0pp | 36.89%-19.2pp | 24.14%-6.4pp |
| Employer contribution / active EE | $1,665 | $1,029+61.8% | $2,399-30.6% | $1,862-10.6% |
| Participant deferral / active EE | $3,854 | $2,395+60.9% | $4,137-6.8% | $2,980+29.3% |
| Admin fee / account holder | $6,171 | $4,885+26.3% | $9,741-36.7% | $3,703+66.7% |