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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 | $196,099 | $58,627+234.5% | $76,735+155.6% | $82,448+137.8% |
| Participation rate | 59.4% | 63.2%-3.8pp | 69.5%-10.1pp | 68.1%-8.7pp |
| Annual return | 14.40% | 39.10%-24.7pp | 29.77%-15.4pp | 41.64%-27.2pp |
| Employer contribution / active EE | $1,734 | $1,729+0.3% | $2,454-29.3% | $2,551-32.0% |
| Participant deferral / active EE | $2,875 | $3,134-8.3% | $4,088-29.7% | $4,139-30.6% |
| Admin fee / account holder | $2,022 | $5,323-62.0% | $7,189-71.9% | $7,234-72.1% |