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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 | $16,283 | $167,353-90.3% | $143,797-88.7% | $134,545-87.9% |
| Participation rate | 66.7% | 84.8%-18.2pp | 80.3%-13.7pp | 81.2%-14.6pp |
| Annual return | 201.09% | 0.48%+200.6pp | -0.04%+201.1pp | 418.37%-217.3pp |
| Employer contribution / active EE | $4,450 | $5,620-20.8% | $4,952-10.2% | $4,742-6.2% |
| Participant deferral / active EE | $6,660 | $6,447+3.3% | $5,638+18.1% | $6,401+4.0% |
| Admin fee / account holder | $755 | $18,096-95.8% | $14,679-94.9% | $11,431-93.4% |