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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 | $126,130 | $111,535+13.1% | $105,223+19.9% | $137,256-8.1% |
| Participation rate | 14.3% | 78.1%-63.8pp | 75.0%-60.8pp | 80.0%-65.7pp |
| Annual return | 13.05% | 237.85%-224.8pp | 180.65%-167.6pp | 220.34%-207.3pp |
| Employer contribution / active EE | $932 | $3,939-76.3% | $3,689-74.7% | $4,156-77.6% |
| Participant deferral / active EE | $3,100 | $5,500-43.6% | $5,072-38.9% | $6,407-51.6% |
| Admin fee / account holder | $32,201 | $9,721+231.2% | $8,859+263.5% | $12,270+162.4% |