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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 | $25,800 | $289,211-91.1% | $260,467-90.1% | $198,609-87.0% |
| Participation rate | 66.7% | 83.1%-16.4pp | 80.5%-13.8pp | 82.4%-15.7pp |
| Annual return | 20.65% | 112.90%-92.3pp | 100.60%-80.0pp | 202.70%-182.1pp |
| Employer contribution / active EE | $2,982 | $4,663-36.1% | $4,239-29.7% | $5,055-41.0% |
| Participant deferral / active EE | $5,460 | $6,812-19.8% | $6,319-13.6% | $6,977-21.7% |
| Admin fee / account holder | $7,537 | $16,236-53.6% | $15,461-51.3% | $19,030-60.4% |