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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 | $69,444+182.4% | $92,985+110.9% | $87,485+124.2% |
| Participation rate | 59.4% | 63.3%-3.9pp | 69.5%-10.1pp | 68.9%-9.6pp |
| Annual return | 14.40% | 23.85%-9.5pp | 27.99%-13.6pp | 26.06%-11.7pp |
| Employer contribution / active EE | $1,734 | $1,917-9.5% | $2,662-34.9% | $2,596-33.2% |
| Participant deferral / active EE | $2,875 | $3,364-14.5% | $4,377-34.3% | $4,274-32.7% |
| Admin fee / account holder | $2,022 | $6,137-67.1% | $9,463-78.6% | $7,775-74.0% |