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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 | $164,769 | $69,273+137.9% | $90,796+81.5% | $82,637+99.4% |
| Participation rate | 58.3% | 64.0%-5.7pp | 69.5%-11.2pp | 68.1%-9.7pp |
| Annual return | 14.19% | 18.37%-4.2pp | 19.29%-5.1pp | 53.51%-39.3pp |
| Employer contribution / active EE | $1,246 | $1,865-33.2% | $2,294-45.7% | $2,552-51.2% |
| Participant deferral / active EE | $3,650 | $3,047+19.8% | $3,822-4.5% | $4,126-11.5% |
| Admin fee / account holder | $1,766 | $5,511-67.9% | $7,024-74.9% | $7,339-75.9% |