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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 | $16,999 | $157,270-89.2% | $141,173-88.0% | $152,870-88.9% |
| Participation rate | 61.9% | 84.8%-22.9pp | 82.5%-20.6pp | 82.4%-20.5pp |
| Annual return | 21.54% | 64.33%-42.8pp | 71.40%-49.9pp | 345.34%-323.8pp |
| Employer contribution / active EE | $2,893 | $5,261-45.0% | $4,735-38.9% | $4,763-39.3% |
| Participant deferral / active EE | $5,064 | $7,110-28.8% | $6,710-24.5% | $5,850-13.4% |
| Admin fee / account holder | $2,439 | $12,121-79.9% | $10,262-76.2% | $11,597-79.0% |