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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 | $125,841 | $52,682+138.9% | $78,004+61.3% | $64,097+96.3% |
| Participation rate | 62.5% | 47.7%+14.8pp | 69.4%-6.9pp | 55.2%+7.3pp |
| Annual return | 13.35% | 22.45%-9.1pp | 31.07%-17.7pp | 34.64%-21.3pp |
| Employer contribution / active EE | $2,106 | $1,323+59.2% | $2,469-14.7% | $1,891+11.4% |
| Participant deferral / active EE | $5,020 | $2,346+114.0% | $4,092+22.7% | $3,080+63.0% |
| Admin fee / account holder | $10,551 | $5,420+94.7% | $7,578+39.2% | $3,454+205.4% |