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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 | $11,401 | $80,812-85.9% | $160,784-92.9% | $82,448-86.2% |
| Participation rate | 54.3% | 66.2%-11.9pp | 77.0%-22.6pp | 68.1%-13.7pp |
| Annual return | 33.80% | 100.59%-66.8pp | 1803.92%-1770.1pp | 41.64%-7.8pp |
| Employer contribution / active EE | $1,041 | $2,174-52.1% | $3,733-72.1% | $2,551-59.2% |
| Participant deferral / active EE | $2,200 | $4,335-49.3% | $6,293-65.0% | $4,139-46.9% |
| Admin fee / account holder | $1,263 | $7,695-83.6% | $9,717-87.0% | $7,234-82.5% |