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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 | $43,218 | $89,532-51.7% | $103,447-58.2% | $80,925-46.6% |
| Participation rate | 60.7% | 76.0%-15.3pp | 80.5%-19.8pp | 67.7%-6.9pp |
| Annual return | 30.52% | 22.80%+7.7pp | 23.92%+6.6pp | 35.65%-5.1pp |
| Employer contribution / active EE | $1,819 | $4,023-54.8% | $4,678-61.1% | $2,756-34.0% |
| Participant deferral / active EE | $6,287 | $5,459+15.2% | $6,624-5.1% | $4,299+46.2% |
| Admin fee / account holder | $5,577 | $6,774-17.7% | $9,415-40.8% | $6,940-19.6% |