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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 | $12,519 | $77,638-83.9% | $156,551-92.0% | $62,881-80.1% |
| Participation rate | 62.3% | 71.2%-8.9pp | 84.0%-21.7pp | 69.3%-7.0pp |
| Annual return | 12.02% | 50.33%-38.3pp | 32.23%-20.2pp | 20.14%-8.1pp |
| Employer contribution / active EE | $1,158 | $3,444-66.4% | $5,501-79.0% | $2,281-49.2% |
| Participant deferral / active EE | $1,899 | $3,046-37.6% | $4,871-61.0% | $3,203-40.7% |
| Admin fee / account holder | $574 | $5,561-89.7% | $13,028-95.6% | $4,296-86.6% |