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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 | $17,704 | $87,733-79.8% | $106,554-83.4% | $85,851-79.4% |
| Participation rate | 63.9% | 71.9%-8.1pp | 76.1%-12.3pp | 69.3%-5.5pp |
| Annual return | 11.79% | 21.86%-10.1pp | 26.80%-15.0pp | 318.63%-306.8pp |
| Employer contribution / active EE | $615 | $2,073-70.3% | $2,819-78.2% | $2,565-76.0% |
| Participant deferral / active EE | $2,189 | $3,469-36.9% | $4,398-50.2% | $3,952-44.6% |
| Admin fee / account holder | $1,670 | $6,767-75.3% | $7,408-77.5% | $6,261-73.3% |