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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 | $16,102 | $181,896-91.1% | $156,551-89.7% | $273,972-94.1% |
| Participation rate | 66.7% | 88.4%-21.7pp | 84.0%-17.3pp | 83.0%-16.3pp |
| Annual return | 17.94% | 30.74%-12.8pp | 32.23%-14.3pp | 41.46%-23.5pp |
| Employer contribution / active EE | $3,183 | $6,248-49.1% | $5,501-42.1% | $4,869-34.6% |
| Participant deferral / active EE | $5,444 | $5,550-1.9% | $4,871+11.8% | $5,287+3.0% |
| Admin fee / account holder | $598 | $15,560-96.2% | $13,028-95.4% | $10,133-94.1% |