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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 | $11,160 | $202,440-94.5% | $169,390-93.4% | $139,466-92.0% |
| Participation rate | 33.3% | 81.1%-47.8pp | 77.2%-43.8pp | 80.3%-47.0pp |
| Annual return | 18.70% | 532.36%-513.7pp | 406.07%-387.4pp | 373.66%-355.0pp |
| Employer contribution / active EE | $626 | $4,693-86.7% | $4,013-84.4% | $4,754-86.8% |
| Participant deferral / active EE | $2,912 | $6,940-58.0% | $6,222-53.2% | $6,712-56.6% |
| Admin fee / account holder | $1,537 | $10,722-85.7% | $9,015-82.9% | $11,409-86.5% |