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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 | $17,567 | $85,766-79.5% | $136,298-87.1% | $70,126-74.9% |
| Participation rate | 58.8% | 74.2%-15.3pp | 81.9%-23.1pp | 69.5%-10.7pp |
| Annual return | 35.78% | 31.46%+4.3pp | 5156.27%-5120.5pp | 73.15%-37.4pp |
| Employer contribution / active EE | $830 | $2,966-72.0% | $4,696-82.3% | $2,343-64.6% |
| Participant deferral / active EE | $2,483 | $5,051-50.8% | $6,247-60.3% | $3,332-25.5% |
| Admin fee / account holder | $1,235 | $5,421-77.2% | $9,244-86.6% | $4,645-73.4% |