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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 | $15,467 | $110,240-86.0% | $96,544-84.0% | $139,487-88.9% |
| Participation rate | 63.6% | 78.1%-14.5pp | 76.0%-12.3pp | 80.3%-16.7pp |
| Annual return | 29.69% | 26.41%+3.3pp | 25.88%+3.8pp | 373.84%-344.1pp |
| Employer contribution / active EE | $2,303 | $3,622-36.4% | $2,966-22.4% | $4,755-51.6% |
| Participant deferral / active EE | $6,783 | $5,549+22.3% | $4,851+39.8% | $6,713+1.1% |
| Admin fee / account holder | $747 | $11,602-93.6% | $8,254-91.0% | $11,407-93.5% |