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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 | $6,992 | $108,695-93.6% | $74,722-90.6% | $152,897-95.4% |
| Participation rate | 54.2% | 65.4%-11.2pp | 54.5%-0.3pp | 82.5%-28.3pp |
| Annual return | 38.18% | 114.11%-75.9pp | 753.11%-714.9pp | 345.43%-307.2pp |
| Employer contribution / active EE | $719 | $1,504-52.2% | $1,084-33.7% | $4,764-84.9% |
| Participant deferral / active EE | $912 | $2,712-66.4% | $1,963-53.6% | $5,851-84.4% |
| Admin fee / account holder | $452 | $4,906-90.8% | $3,335-86.4% | $11,599-96.1% |