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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 | $12,685 | $134,817-90.6% | $123,973-89.8% | $155,188-91.8% |
| Participation rate | 55.6% | 79.4%-23.8pp | 76.7%-21.1pp | 80.8%-25.2pp |
| Annual return | 9.87% | 515.49%-505.6pp | 388.13%-378.3pp | 148.84%-139.0pp |
| Employer contribution / active EE | $2,457 | $4,425-44.5% | $4,126-40.4% | $4,248-42.2% |
| Participant deferral / active EE | $6,659 | $5,706+16.7% | $5,247+26.9% | $6,531+2.0% |
| Admin fee / account holder | $142,030 | $13,245+972.3% | $11,799+1103.8% | $14,480+880.9% |