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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 | $231,623 | $114,712+101.9% | $173,730+33.3% | $87,485+164.8% |
| Participation rate | 62.9% | 73.0%-10.1pp | 79.6%-16.7pp | 68.9%-6.1pp |
| Annual return | 15.86% | 20.18%-4.3pp | 19.96%-4.1pp | 26.06%-10.2pp |
| Employer contribution / active EE | $4,704 | $2,904+62.0% | $4,577+2.8% | $2,596+81.2% |
| Participant deferral / active EE | $5,427 | $4,642+16.9% | $6,326-14.2% | $4,274+27.0% |
| Admin fee / account holder | $2,999 | $10,210-70.6% | $17,523-82.9% | $7,775-61.4% |