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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 | $16,678 | $185,225-91.0% | $142,898-88.3% | $167,536-90.0% |
| Participation rate | 64.3% | 78.5%-14.2pp | 72.0%-7.7pp | 82.1%-17.8pp |
| Annual return | 11.29% | 8558.12%-8546.8pp | 5639.64%-5628.4pp | 478.82%-467.5pp |
| Employer contribution / active EE | $1,212 | $5,607-78.4% | $4,146-70.8% | $4,839-75.0% |
| Participant deferral / active EE | $3,192 | $4,496-29.0% | $3,838-16.9% | $6,342-49.7% |
| Admin fee / account holder | $812 | $8,032-89.9% | $6,560-87.6% | $12,315-93.4% |