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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 | $40,440 | $75,923-46.7% | $102,434-60.5% | - |
| Participation rate | 33.3% | 71.4%-38.1pp | 76.5%-43.2pp | - |
| Annual return | 10.96% | 15.12%-4.2pp | 29.46%-18.5pp | - |
| Employer contribution / active EE | $1,184 | $2,206-46.3% | $3,023-60.8% | - |
| Participant deferral / active EE | $2,395 | $4,258-43.8% | $5,055-52.6% | - |
| Admin fee / account holder | $8,985 | $11,449-21.5% | $9,462-5.0% | - |