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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 | $14,756 | $65,704-77.5% | $94,229-84.3% | $59,633-75.3% |
| Participation rate | 66.7% | 72.1%-5.5pp | 78.8%-12.1pp | 68.7%-2.0pp |
| Annual return | -0.60% | 5.22%-5.8pp | 10.68%-11.3pp | 2041.45%-2042.1pp |
| Employer contribution / active EE | $1,213 | $2,021-40.0% | $3,587-66.2% | $2,203-44.9% |
| Participant deferral / active EE | $2,648 | $3,143-15.7% | $4,320-38.7% | $3,192-17.0% |
| Admin fee / account holder | $763 | $4,265-82.1% | $6,269-87.8% | $4,297-82.2% |