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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 | $124,508 | $91,559+36.0% | $133,971-7.1% | $79,852+55.9% |
| Participation rate | 64.8% | 73.3%-8.5pp | 79.8%-15.0pp | 69.6%-4.8pp |
| Annual return | 12.47% | 61.85%-49.4pp | 45.09%-32.6pp | 31.72%-19.3pp |
| Employer contribution / active EE | $2,426 | $2,384+1.8% | $3,919-38.1% | $2,471-1.8% |
| Participant deferral / active EE | $5,557 | $3,734+48.8% | $5,047+10.1% | $3,740+48.6% |
| Admin fee / account holder | $8,085 | $6,321+27.9% | $8,929-9.5% | $5,306+52.4% |