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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 | $10,823 | $106,247-89.8% | $96,515-88.8% | $139,466-92.2% |
| Participation rate | 50.0% | 77.8%-27.8pp | 74.3%-24.3pp | 80.3%-30.3pp |
| Annual return | 17.40% | 38.47%-21.1pp | 35.73%-18.3pp | 373.66%-356.3pp |
| Employer contribution / active EE | $2,255 | $4,106-45.1% | $3,740-39.7% | $4,754-52.6% |
| Participant deferral / active EE | $1,635 | $5,456-70.0% | $4,880-66.5% | $6,712-75.6% |
| Admin fee / account holder | $1,454 | $7,885-81.6% | $6,735-78.4% | $11,409-87.3% |