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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 | $9,924 | $85,171-88.3% | $172,752-94.3% | $72,975-86.4% |
| Participation rate | 44.3% | 70.1%-25.8pp | 82.6%-38.4pp | 69.5%-25.2pp |
| Annual return | 43.45% | 27.32%+16.1pp | 802.97%-759.5pp | 81.01%-37.6pp |
| Employer contribution / active EE | $1,073 | $3,324-67.7% | $5,144-79.1% | $2,440-56.0% |
| Participant deferral / active EE | $1,767 | $3,260-45.8% | $5,198-66.0% | $3,608-51.0% |
| Admin fee / account holder | $312 | $5,880-94.7% | $13,955-97.8% | $5,124-93.9% |