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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 | $218,935 | $92,219+137.4% | $76,767+185.2% | $135,380+61.7% |
| Participation rate | 46.2% | 79.8%-33.6pp | 77.0%-30.8pp | 82.6%-36.5pp |
| Annual return | 3.26% | 5.46%-2.2pp | 2.43%+0.8pp | 519.81%-516.6pp |
| Employer contribution / active EE | $781 | $3,216-75.7% | $2,485-68.6% | $4,779-83.7% |
| Participant deferral / active EE | $3,907 | $4,508-13.3% | $3,852+1.4% | $5,609-30.3% |
| Admin fee / account holder | $705 | $10,749-93.4% | $6,675-89.4% | $10,828-93.5% |