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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 | $95,965 | $97,550-1.6% | $120,344-20.3% | $87,485+9.7% |
| Participation rate | 67.4% | 72.8%-5.4pp | 76.7%-9.3pp | 68.9%-1.5pp |
| Annual return | 16.93% | 18.41%-1.5pp | 20.30%-3.4pp | 26.06%-9.1pp |
| Employer contribution / active EE | $2,108 | $2,291-8.0% | $3,020-30.2% | $2,596-18.8% |
| Participant deferral / active EE | $5,117 | $4,230+21.0% | $5,135-0.4% | $4,274+19.7% |
| Admin fee / account holder | $1,217 | $9,543-87.2% | $12,742-90.4% | $7,775-84.3% |