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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 | $17,161 | $73,978-76.8% | $96,515-82.2% | $75,173-77.2% |
| Participation rate | 68.3% | 66.4%+1.8pp | 74.3%-6.1pp | 67.2%+1.1pp |
| Annual return | 16.99% | 26.72%-9.7pp | 35.73%-18.7pp | 160.72%-143.7pp |
| Employer contribution / active EE | $2,154 | $2,931-26.5% | $3,740-42.4% | $2,671-19.3% |
| Participant deferral / active EE | $1,813 | $3,660-50.5% | $4,880-62.8% | $4,126-56.1% |
| Admin fee / account holder | $1,154 | $5,219-77.9% | $6,735-82.9% | $5,651-79.6% |