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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 | $7,879 | $107,368-92.7% | $92,915-91.5% | $152,909-94.8% |
| Participation rate | 69.2% | 79.8%-10.6pp | 76.0%-6.8pp | 82.5%-13.2pp |
| Annual return | 35.66% | 145.64%-110.0pp | 109.45%-73.8pp | 345.46%-309.8pp |
| Employer contribution / active EE | $1,953 | $4,222-53.8% | $3,653-46.6% | $4,764-59.0% |
| Participant deferral / active EE | $1,790 | $4,848-63.1% | $4,238-57.8% | $5,851-69.4% |
| Admin fee / account holder | $358 | $7,082-94.9% | $5,796-93.8% | $11,601-96.9% |