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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 | $125,729 | $65,246+92.7% | $98,716+27.4% | $67,986+84.9% |
| Participation rate | 55.8% | 51.4%+4.3pp | 69.3%-13.5pp | 57.2%-1.4pp |
| Annual return | 14.21% | 20.58%-6.4pp | 31.81%-17.6pp | 31.67%-17.5pp |
| Employer contribution / active EE | $1,071 | $1,042+2.8% | $2,279-53.0% | $2,019-46.9% |
| Participant deferral / active EE | $4,396 | $2,594+69.5% | $4,048+8.6% | $3,358+30.9% |
| Admin fee / account holder | $7,753 | $4,561+70.0% | $8,703-10.9% | $3,203+142.0% |