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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 | $19,100 | $85,766-77.7% | $136,298-86.0% | $70,126-72.8% |
| Participation rate | 58.8% | 74.2%-15.3pp | 81.9%-23.1pp | 69.5%-10.7pp |
| Annual return | 24.55% | 31.46%-6.9pp | 5156.27%-5131.7pp | 73.15%-48.6pp |
| Employer contribution / active EE | $1,995 | $2,966-32.8% | $4,696-57.5% | $2,343-14.9% |
| Participant deferral / active EE | $3,582 | $5,051-29.1% | $6,247-42.7% | $3,332+7.5% |
| Admin fee / account holder | $3,356 | $5,421-38.1% | $9,244-63.7% | $4,645-27.8% |