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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 | $226,555 | $89,259+153.8% | $107,187+111.4% | $82,637+174.2% |
| Participation rate | 53.3% | 67.9%-14.6pp | 75.0%-21.7pp | 68.1%-14.7pp |
| Annual return | 14.75% | 21.02%-6.3pp | 204.55%-189.8pp | 53.51%-38.8pp |
| Employer contribution / active EE | $2,442 | $3,080-20.7% | $3,782-35.4% | $2,552-4.3% |
| Participant deferral / active EE | $4,935 | $4,037+22.2% | $5,096-3.2% | $4,126+19.6% |
| Admin fee / account holder | $4,284 | $7,381-42.0% | $9,162-53.2% | $7,339-41.6% |