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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 | $18,418 | $157,296-88.3% | $141,191-87.0% | $152,897-88.0% |
| Participation rate | 50.0% | 84.8%-34.8pp | 82.5%-32.5pp | 82.5%-32.5pp |
| Annual return | 30.04% | 64.34%-34.3pp | 71.41%-41.4pp | 345.43%-315.4pp |
| Employer contribution / active EE | $1,335 | $5,262-74.6% | $4,736-71.8% | $4,764-72.0% |
| Participant deferral / active EE | $3,319 | $7,111-53.3% | $6,710-50.5% | $5,851-43.3% |
| Admin fee / account holder | $359 | $12,125-97.0% | $10,264-96.5% | $11,599-96.9% |