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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 | $8,884 | $112,933-92.1% | $90,970-90.2% | $158,982-94.4% |
| Participation rate | 50.0% | 74.7%-24.7pp | 69.0%-19.0pp | 82.0%-32.0pp |
| Annual return | 41.41% | 215.82%-174.4pp | 134.60%-93.2pp | 302.99%-261.6pp |
| Employer contribution / active EE | $1,895 | $2,893-34.5% | $2,122-10.7% | $4,763-60.2% |
| Participant deferral / active EE | $3,822 | $4,128-7.4% | $3,373+13.3% | $5,983-36.1% |
| Admin fee / account holder | $1,259 | $8,047-84.3% | $5,961-78.9% | $11,252-88.8% |