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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 | $11,332 | $65,566-82.7% | $86,235-86.9% | $75,177-84.9% |
| Participation rate | 53.3% | 60.5%-7.2pp | 69.0%-15.6pp | 67.2%-13.9pp |
| Annual return | 28.53% | 46.07%-17.5pp | 1170.03%-1141.5pp | 160.75%-132.2pp |
| Employer contribution / active EE | $4,347 | $1,553+179.9% | $2,381+82.6% | $2,671+62.7% |
| Participant deferral / active EE | $2,101 | $3,023-30.5% | $3,987-47.3% | $4,126-49.1% |
| Admin fee / account holder | $408 | $5,470-92.5% | $6,856-94.0% | $5,651-92.8% |