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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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,303 | $71,230-72.9% | $93,727-79.4% | $80,959-76.2% |
| Participation rate | 68.1% | 60.4%+7.7pp | 68.7%-0.6pp | 67.7%+0.4pp |
| Annual return | 38.72% | 11.26%+27.5pp | 133.83%-95.1pp | 35.67%+3.1pp |
| Employer contribution / active EE | $2,414 | $1,565+54.2% | $2,421-0.3% | $2,757-12.4% |
| Participant deferral / active EE | $3,716 | $4,037-8.0% | $4,417-15.9% | $4,300-13.6% |
| Admin fee / account holder | $2,130 | $6,961-69.4% | $8,292-74.3% | $6,925-69.3% |