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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 | $14,672 | $90,400-83.8% | $186,193-92.1% | $87,485-83.2% |
| Participation rate | 56.5% | 66.2%-9.7pp | 77.1%-20.7pp | 68.9%-12.5pp |
| Annual return | 19.42% | 22.15%-2.7pp | 78.03%-58.6pp | 26.06%-6.6pp |
| Employer contribution / active EE | $1,281 | $2,170-41.0% | $3,918-67.3% | $2,596-50.7% |
| Participant deferral / active EE | $2,032 | $4,330-53.1% | $6,513-68.8% | $4,274-52.4% |
| Admin fee / account holder | $309 | $8,673-96.4% | $11,058-97.2% | $7,775-96.0% |