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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 | $11,095 | $58,726-81.1% | $142,898-92.2% | $85,851-87.1% |
| Participation rate | 19.6% | 58.5%-38.9pp | 72.0%-52.3pp | 69.3%-49.7pp |
| Annual return | 25.76% | 27.73%-2.0pp | 5639.64%-5613.9pp | 318.63%-292.9pp |
| Employer contribution / active EE | $1,271 | $1,424-10.7% | $4,146-69.3% | $2,565-50.5% |
| Participant deferral / active EE | $2,326 | $2,609-10.8% | $3,838-39.4% | $3,952-41.1% |
| Admin fee / account holder | $5,023 | $4,234+18.6% | $6,560-23.4% | $6,261-19.8% |