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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 | $195,304 | $93,617+108.6% | $135,982+43.6% | $75,177+159.8% |
| Participation rate | 66.7% | 75.2%-8.5pp | 81.9%-15.3pp | 67.2%-0.5pp |
| Annual return | 21.46% | 30.89%-9.4pp | 68.32%-46.9pp | 160.75%-139.3pp |
| Employer contribution / active EE | $2,820 | $3,538-20.3% | $4,859-42.0% | $2,671+5.6% |
| Participant deferral / active EE | $7,015 | $6,406+9.5% | $7,760-9.6% | $4,126+70.0% |
| Admin fee / account holder | $2,588 | $6,980-62.9% | $10,767-76.0% | $5,651-54.2% |