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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 | $116,417 | $95,453+22.0% | $112,040+3.9% | $82,448+41.2% |
| Participation rate | 65.3% | 72.8%-7.5pp | 76.5%-11.2pp | 68.1%-2.8pp |
| Annual return | 15.34% | 23.92%-8.6pp | 24.52%-9.2pp | 41.64%-26.3pp |
| Employer contribution / active EE | $2,236 | $2,318-3.5% | $2,954-24.3% | $2,551-12.3% |
| Participant deferral / active EE | $4,069 | $4,224-3.7% | $5,098-20.2% | $4,139-1.7% |
| Admin fee / account holder | $1,138 | $9,013-87.4% | $12,098-90.6% | $7,234-84.3% |