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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 | $135,119 | $88,672+52.4% | $105,223+28.4% | $82,448+63.9% |
| Participation rate | 54.0% | 67.9%-13.9pp | 75.0%-21.0pp | 68.1%-14.1pp |
| Annual return | 18.44% | 30.86%-12.4pp | 180.65%-162.2pp | 41.64%-23.2pp |
| Employer contribution / active EE | $2,654 | $3,048-12.9% | $3,689-28.1% | $2,551+4.0% |
| Participant deferral / active EE | $7,568 | $4,036+87.5% | $5,072+49.2% | $4,139+82.8% |
| Admin fee / account holder | $6,251 | $7,146-12.5% | $8,859-29.4% | $7,234-13.6% |