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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 | $6,487 | $125,193-94.8% | $105,591-93.9% | $145,978-95.6% |
| Participation rate | 68.8% | 77.6%-8.9pp | 75.3%-6.5pp | 80.3%-11.5pp |
| Annual return | 13.95% | 225.53%-211.6pp | 116.43%-102.5pp | 550.52%-536.6pp |
| Employer contribution / active EE | $995 | $3,718-73.3% | $3,166-68.6% | $4,662-78.7% |
| Participant deferral / active EE | $1,893 | $5,708-66.8% | $5,008-62.2% | $6,690-71.7% |
| Admin fee / account holder | $2,732 | $17,277-84.2% | $11,024-75.2% | $13,400-79.6% |