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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 | $120,901 | $95,453+26.7% | $112,040+7.9% | $82,448+46.6% |
| Participation rate | 64.3% | 72.8%-8.5pp | 76.5%-12.2pp | 68.1%-3.8pp |
| Annual return | 12.87% | 23.92%-11.1pp | 24.52%-11.6pp | 41.64%-28.8pp |
| Employer contribution / active EE | $2,596 | $2,318+12.0% | $2,954-12.1% | $2,551+1.8% |
| Participant deferral / active EE | $4,220 | $4,224-0.1% | $5,098-17.2% | $4,139+1.9% |
| Admin fee / account holder | $19,060 | $9,013+111.5% | $12,098+57.5% | $7,234+163.5% |