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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 | $18,985 | $96,731-80.4% | $123,973-84.7% | $86,983-78.2% |
| Participation rate | 64.3% | 70.0%-5.7pp | 76.7%-12.4pp | 69.5%-5.3pp |
| Annual return | 19.65% | 17.33%+2.3pp | 388.13%-368.5pp | 25.83%-6.2pp |
| Employer contribution / active EE | $1,640 | $3,297-50.3% | $4,126-60.3% | $2,584-36.5% |
| Participant deferral / active EE | $2,649 | $4,152-36.2% | $5,247-49.5% | $4,194-36.8% |
| Admin fee / account holder | $907 | $8,722-89.6% | $11,799-92.3% | $7,856-88.5% |