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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 | $19,571 | $77,896-74.9% | $134,172-85.4% | $82,448-76.3% |
| Participation rate | 50.0% | 62.8%-12.8pp | 72.5%-22.5pp | 68.1%-18.1pp |
| Annual return | 24.05% | 18.21%+5.8pp | 25.30%-1.2pp | 41.64%-17.6pp |
| Employer contribution / active EE | $1,126 | $2,159-47.9% | $3,420-67.1% | $2,551-55.9% |
| Participant deferral / active EE | $1,733 | $3,162-45.2% | $4,690-63.1% | $4,139-58.1% |
| Admin fee / account holder | $1,314 | $6,336-79.3% | $12,016-89.1% | $7,234-81.8% |