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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 | $122,637 | $88,672+38.3% | $105,223+16.5% | $82,448+48.7% |
| Participation rate | 22.9% | 67.9%-45.0pp | 75.0%-52.1pp | 68.1%-45.2pp |
| Annual return | 14.02% | 30.86%-16.8pp | 180.65%-166.6pp | 41.64%-27.6pp |
| Employer contribution / active EE | $897 | $3,048-70.6% | $3,689-75.7% | $2,551-64.8% |
| Participant deferral / active EE | $2,237 | $4,036-44.6% | $5,072-55.9% | $4,139-46.0% |
| Admin fee / account holder | $3,793 | $7,146-46.9% | $8,859-57.2% | $7,234-47.6% |