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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 | $26,173 | $91,559-71.4% | $133,978-80.5% | $79,856-67.2% |
| Participation rate | 69.4% | 73.3%-3.9pp | 79.8%-10.4pp | 69.6%-0.2pp |
| Annual return | 27.52% | 61.85%-34.3pp | 45.10%-17.6pp | 31.71%-4.2pp |
| Employer contribution / active EE | $899 | $2,384-62.3% | $3,919-77.1% | $2,471-63.6% |
| Participant deferral / active EE | $2,739 | $3,734-26.6% | $5,047-45.7% | $3,741-26.8% |
| Admin fee / account holder | $549 | $6,321-91.3% | $8,930-93.9% | $5,306-89.7% |