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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 | $11,859 | $115,814-89.8% | $101,275-88.3% | $158,982-92.5% |
| Participation rate | 52.6% | 79.4%-26.7pp | 75.8%-23.2pp | 82.0%-29.3pp |
| Annual return | 20.88% | 56.16%-35.3pp | 46.48%-25.6pp | 302.99%-282.1pp |
| Employer contribution / active EE | $904 | $4,176-78.4% | $3,660-75.3% | $4,763-81.0% |
| Participant deferral / active EE | $1,757 | $4,958-64.6% | $4,371-59.8% | $5,983-70.6% |
| Admin fee / account holder | $742 | $7,249-89.8% | $5,948-87.5% | $11,252-93.4% |