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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 | $32,076 | $89,241-64.1% | $134,172-76.1% | $79,634-59.7% |
| Participation rate | 32.9% | 47.1%-14.2pp | 72.5%-39.6pp | 62.5%-29.6pp |
| Annual return | 23.78% | 16.69%+7.1pp | 25.30%-1.5pp | 36.46%-12.7pp |
| Employer contribution / active EE | $751 | $1,634-54.0% | $3,420-78.0% | $2,529-70.3% |
| Participant deferral / active EE | $1,101 | $2,288-51.9% | $4,690-76.5% | $3,835-71.3% |
| Admin fee / account holder | $907 | $1,359-33.2% | $12,016-92.5% | $1,002-9.5% |