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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 | $16,786 | $81,476-79.4% | $102,383-83.6% | $80,925-79.3% |
| Participation rate | 67.9% | 66.8%+1.0pp | 74.5%-6.7pp | 67.7%+0.2pp |
| Annual return | 19.47% | 25.59%-6.1pp | 24.94%-5.5pp | 35.65%-16.2pp |
| Employer contribution / active EE | $2,025 | $3,105-34.8% | $3,870-47.7% | $2,756-26.5% |
| Participant deferral / active EE | $5,029 | $3,871+29.9% | $5,060-0.6% | $4,299+17.0% |
| Admin fee / account holder | $6,627 | $6,717-1.3% | $8,391-21.0% | $6,940-4.5% |