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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 | $13,967 | $99,652-86.0% | $78,778-82.3% | $147,586-90.5% |
| Participation rate | 25.0% | 76.2%-51.2pp | 69.2%-44.2pp | 82.8%-57.8pp |
| Annual return | 10.88% | 47.28%-36.4pp | 35.62%-24.7pp | 578.59%-567.7pp |
| Employer contribution / active EE | $2,197 | $2,796-21.4% | $1,986+10.6% | $4,876-54.9% |
| Participant deferral / active EE | $3,292 | $3,664-10.1% | $2,958+11.3% | $5,439-39.5% |
| Admin fee / account holder | $21,952 | $7,155+206.8% | $5,134+327.6% | $10,886+101.7% |