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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 | $14,528 | $124,336-88.3% | $111,303-86.9% | $167,518-91.3% |
| Participation rate | 64.3% | 79.6%-15.3pp | 77.3%-13.0pp | 82.1%-17.8pp |
| Annual return | 25.92% | 37.45%-11.5pp | 54.66%-28.7pp | 478.71%-452.8pp |
| Employer contribution / active EE | $2,388 | $3,436-30.5% | $2,731-12.6% | $4,838-50.7% |
| Participant deferral / active EE | $3,524 | $5,181-32.0% | $4,487-21.5% | $6,342-44.4% |
| Admin fee / account holder | $607 | $10,623-94.3% | $7,966-92.4% | $12,312-95.1% |