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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 | $18,553 | $80,992-77.1% | $96,534-80.8% | $75,173-75.3% |
| Participation rate | 48.4% | 71.8%-23.4pp | 76.0%-27.5pp | 67.2%-18.8pp |
| Annual return | 13.00% | 27.05%-14.1pp | 25.88%-12.9pp | 160.72%-147.7pp |
| Employer contribution / active EE | $1,215 | $2,283-46.8% | $2,965-59.0% | $2,671-54.5% |
| Participant deferral / active EE | $2,897 | $3,929-26.3% | $4,851-40.3% | $4,126-29.8% |
| Admin fee / account holder | $1,229 | $6,717-81.7% | $8,253-85.1% | $5,651-78.3% |