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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 | $6,605 | $165,361-96.0% | $149,715-95.6% | $158,950-95.8% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 16.94% | 348.24%-331.3pp | 276.66%-259.7pp | 302.91%-286.0pp |
| Employer contribution / active EE | $1,799 | $5,103-64.8% | $4,645-61.3% | $4,762-62.2% |
| Participant deferral / active EE | $4,481 | $7,182-37.6% | $6,842-34.5% | $5,983-25.1% |
| Admin fee / account holder | $1,477 | $10,808-86.3% | $9,310-84.1% | $11,248-86.9% |