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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 | $20,486 | $202,342-89.9% | $172,752-88.1% | $152,897-86.6% |
| Participation rate | 66.7% | 87.1%-20.4pp | 82.6%-16.0pp | 82.5%-15.8pp |
| Annual return | 25.82% | 1029.83%-1004.0pp | 802.97%-777.2pp | 345.43%-319.6pp |
| Employer contribution / active EE | $1,814 | $5,858-69.0% | $5,144-64.7% | $4,764-61.9% |
| Participant deferral / active EE | $5,582 | $5,948-6.2% | $5,198+7.4% | $5,851-4.6% |
| Admin fee / account holder | $2,171 | $17,111-87.3% | $13,955-84.4% | $11,599-81.3% |