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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 | $121,633 | $88,672+37.2% | $105,223+15.6% | $82,448+47.5% |
| Participation rate | 55.6% | 67.9%-12.4pp | 75.0%-19.5pp | 68.1%-12.5pp |
| Annual return | 18.27% | 30.86%-12.6pp | 180.65%-162.4pp | 41.64%-23.4pp |
| Employer contribution / active EE | $4,353 | $3,048+42.8% | $3,689+18.0% | $2,551+70.7% |
| Participant deferral / active EE | $1,677 | $4,036-58.4% | $5,072-66.9% | $4,139-59.5% |
| Admin fee / account holder | $2,782 | $7,146-61.1% | $8,859-68.6% | $7,234-61.5% |