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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 | $10,080 | $103,957-90.3% | $69,182-85.4% | $273,965-96.3% |
| Participation rate | 42.9% | 67.4%-24.5pp | 55.1%-12.3pp | 83.0%-40.2pp |
| Annual return | 8.38% | 35.28%-26.9pp | -21.94%+30.3pp | 41.45%-33.1pp |
| Employer contribution / active EE | $664 | $1,781-62.7% | $1,205-44.9% | $4,869-86.4% |
| Participant deferral / active EE | $905 | $2,716-66.7% | $1,896-52.3% | $5,287-82.9% |
| Admin fee / account holder | $858 | $3,671-76.6% | $2,697-68.2% | $10,132-91.5% |