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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 | $14,606 | $150,447-90.3% | $136,298-89.3% | $147,586-90.1% |
| Participation rate | 60.0% | 84.4%-24.4pp | 81.9%-21.9pp | 82.8%-22.8pp |
| Annual return | 10.76% | 1049.15%-1038.4pp | 5156.27%-5145.5pp | 578.59%-567.8pp |
| Employer contribution / active EE | $6,504 | $5,256+23.7% | $4,696+38.5% | $4,876+33.4% |
| Participant deferral / active EE | $7,220 | $6,631+8.9% | $6,247+15.6% | $5,439+32.8% |
| Admin fee / account holder | $96,154 | $10,906+781.6% | $9,244+940.2% | $10,886+783.3% |