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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 | $8,079 | $53,774-85.0% | $134,162-94.0% | $79,852-89.9% |
| Participation rate | 37.8% | 58.8%-20.9pp | 72.2%-34.3pp | 69.6%-31.8pp |
| Annual return | 20.04% | 19.01%+1.0pp | 36.35%-16.3pp | 31.72%-11.7pp |
| Employer contribution / active EE | $253 | $1,322-80.9% | $3,705-93.2% | $2,471-89.8% |
| Participant deferral / active EE | $1,188 | $2,420-50.9% | $3,500-66.1% | $3,740-68.2% |
| Admin fee / account holder | $689 | $3,985-82.7% | $6,685-89.7% | $5,306-87.0% |