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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 | $6,646 | $59,440-88.8% | $78,004-91.5% | $82,637-92.0% |
| Participation rate | 64.4% | 62.8%+1.6pp | 69.4%-5.0pp | 68.1%-3.6pp |
| Annual return | 18.86% | 40.24%-21.4pp | 31.07%-12.2pp | 53.51%-34.6pp |
| Employer contribution / active EE | $403 | $1,750-77.0% | $2,469-83.7% | $2,552-84.2% |
| Participant deferral / active EE | $1,646 | $3,138-47.5% | $4,092-59.8% | $4,126-60.1% |
| Admin fee / account holder | $2,197 | $5,504-60.1% | $7,578-71.0% | $7,339-70.1% |