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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 | $19,826 | $70,418-71.8% | $96,570-79.5% | $85,847-76.9% |
| Participation rate | 69.2% | 61.8%+7.4pp | 69.8%-0.6pp | 69.3%-0.1pp |
| Annual return | 18.39% | 18.59%-0.2pp | 37.79%-19.4pp | 318.61%-300.2pp |
| Employer contribution / active EE | $1,531 | $1,413+8.3% | $2,357-35.1% | $2,565-40.3% |
| Participant deferral / active EE | $2,329 | $2,894-19.5% | $3,849-39.5% | $3,952-41.1% |
| Admin fee / account holder | $914 | $4,995-81.7% | $6,182-85.2% | $6,261-85.4% |