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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 | $21,306 | $81,870-74.0% | $119,622-82.2% | $68,486-68.9% |
| Participation rate | 60.0% | 71.9%-11.9pp | 79.3%-19.3pp | 67.9%-7.9pp |
| Annual return | -17.78% | -23.82%+6.0pp | -14.98%-2.8pp | -7.85%-9.9pp |
| Employer contribution / active EE | $1,238 | $2,692-54.0% | $4,232-70.7% | $2,597-52.3% |
| Participant deferral / active EE | $2,178 | $4,148-47.5% | $5,601-61.1% | $4,028-45.9% |
| Admin fee / account holder | $1,371 | $6,583-79.2% | $10,328-86.7% | $5,404-74.6% |