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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 | $12,021 | $112,131-89.3% | $95,964-87.5% | $158,982-92.4% |
| Participation rate | 66.7% | 79.0%-12.3pp | 77.1%-10.4pp | 82.0%-15.3pp |
| Annual return | 39.67% | 171.19%-131.5pp | 91.64%-52.0pp | 302.99%-263.3pp |
| Employer contribution / active EE | $1,473 | $3,199-53.9% | $2,541-42.0% | $4,763-69.1% |
| Participant deferral / active EE | $3,300 | $4,784-31.0% | $4,167-20.8% | $5,983-44.8% |
| Admin fee / account holder | $425 | $10,136-95.8% | $6,797-93.7% | $11,252-96.2% |