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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 | $8,919 | $104,937-91.5% | $84,628-89.5% | $152,897-94.2% |
| Participation rate | 62.5% | 74.8%-12.3pp | 68.2%-5.7pp | 82.5%-20.0pp |
| Annual return | 25.17% | 373.88%-348.7pp | 258.80%-233.6pp | 345.43%-320.3pp |
| Employer contribution / active EE | $1,471 | $3,303-55.5% | $2,653-44.6% | $4,764-69.1% |
| Participant deferral / active EE | $2,488 | $4,690-46.9% | $3,900-36.2% | $5,851-57.5% |
| Admin fee / account holder | $1,849 | $6,243-70.4% | $4,914-62.4% | $11,599-84.1% |