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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 | $18,947 | $65,961-71.3% | $180,320-89.5% | $94,015-79.8% |
| Participation rate | 32.7% | 61.3%-28.6pp | 71.5%-38.9pp | 70.8%-38.2pp |
| Annual return | 13.29% | 14.27%-1.0pp | 778.54%-765.3pp | 17.84%-4.6pp |
| Employer contribution / active EE | $384 | $1,737-77.9% | $4,108-90.6% | $2,790-86.2% |
| Participant deferral / active EE | $1,206 | $3,003-59.9% | $4,304-72.0% | $4,249-71.6% |
| Admin fee / account holder | $6,464 | $4,901+31.9% | $10,000-35.4% | $8,951-27.8% |