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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 | $7,560 | $202,342-96.3% | $172,753-95.6% | $152,909-95.1% |
| Participation rate | 60.0% | 87.1%-27.1pp | 82.6%-22.6pp | 82.5%-22.5pp |
| Annual return | 16.98% | 1029.88%-1012.9pp | 803.00%-786.0pp | 345.46%-328.5pp |
| Employer contribution / active EE | $1,585 | $5,857-72.9% | $5,144-69.2% | $4,764-66.7% |
| Participant deferral / active EE | $3,162 | $5,948-46.8% | $5,198-39.2% | $5,851-46.0% |
| Admin fee / account holder | $4,053 | $17,112-76.3% | $13,956-71.0% | $11,601-65.1% |