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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 | $14,951 | $104,251-85.7% | $91,004-83.6% | $147,586-89.9% |
| Participation rate | 52.4% | 78.2%-25.9pp | 75.6%-23.2pp | 82.8%-30.4pp |
| Annual return | 0.00% | 27.06%-27.1pp | 4.60%-4.6pp | 578.59%-578.6pp |
| Employer contribution / active EE | $1,762 | $3,116-43.4% | $2,456-28.2% | $4,876-63.9% |
| Participant deferral / active EE | $7,145 | $4,195+70.3% | $3,548+101.4% | $5,439+31.4% |
| Admin fee / account holder | $667 | $8,948-92.5% | $5,417-87.7% | $10,886-93.9% |