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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 | $13,809 | $157,296-91.2% | $141,191-90.2% | $152,897-91.0% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 18.02% | 64.34%-46.3pp | 71.41%-53.4pp | 345.43%-327.4pp |
| Employer contribution / active EE | $2,689 | $5,262-48.9% | $4,736-43.2% | $4,764-43.5% |
| Participant deferral / active EE | $6,433 | $7,111-9.5% | $6,710-4.1% | $5,851+9.9% |
| Admin fee / account holder | $6,452 | $12,125-46.8% | $10,264-37.1% | $11,599-44.4% |