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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 | $20,078 | $63,114-68.2% | $92,909-78.4% | $65,185-69.2% |
| Participation rate | 54.9% | 68.8%-13.9pp | 76.0%-21.1pp | 70.2%-15.3pp |
| Annual return | 61.31% | 28.75%+32.6pp | 109.44%-48.1pp | 29.38%+31.9pp |
| Employer contribution / active EE | $2,128 | $2,571-17.2% | $3,653-41.8% | $2,177-2.3% |
| Participant deferral / active EE | $3,371 | $3,108+8.5% | $4,238-20.5% | $3,514-4.1% |
| Admin fee / account holder | $767 | $624+22.9% | $5,795-86.8% | $847-9.5% |