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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 | $148,880 | $97,648+52.5% | $121,663+22.4% | $87,485+70.2% |
| Participation rate | 65.0% | 70.5%-5.5pp | 74.5%-9.5pp | 68.9%-3.9pp |
| Annual return | 15.28% | 18.03%-2.7pp | 147.54%-132.3pp | 26.06%-10.8pp |
| Employer contribution / active EE | $937 | $2,300-59.3% | $3,020-69.0% | $2,596-63.9% |
| Participant deferral / active EE | $3,453 | $3,923-12.0% | $4,887-29.3% | $4,274-19.2% |
| Admin fee / account holder | $13,246 | $11,100+19.3% | $14,289-7.3% | $7,775+70.4% |