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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 | $10,791 | $121,701-91.1% | $104,639-89.7% | $158,982-93.2% |
| Participation rate | 46.2% | 77.5%-31.4pp | 74.1%-27.9pp | 82.0%-35.8pp |
| Annual return | 27.33% | 465.72%-438.4pp | 340.67%-313.3pp | 302.99%-275.7pp |
| Employer contribution / active EE | $697 | $3,165-78.0% | $2,682-74.0% | $4,763-85.4% |
| Participant deferral / active EE | $1,138 | $4,176-72.7% | $3,738-69.6% | $5,983-81.0% |
| Admin fee / account holder | $1,359 | $7,778-82.5% | $6,465-79.0% | $11,252-87.9% |