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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 | $18,208 | $65,704-72.3% | $94,229-80.7% | $59,633-69.5% |
| Participation rate | 67.3% | 72.1%-4.8pp | 78.8%-11.5pp | 68.7%-1.4pp |
| Annual return | -1.53% | 5.22%-6.7pp | 10.68%-12.2pp | 2041.45%-2043.0pp |
| Employer contribution / active EE | $778 | $2,021-61.5% | $3,587-78.3% | $2,203-64.7% |
| Participant deferral / active EE | $2,316 | $3,143-26.3% | $4,320-46.4% | $3,192-27.4% |
| Admin fee / account holder | $4,340 | $4,265+1.8% | $6,269-30.8% | $4,297+1.0% |