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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 | $16,213 | $103,392-84.3% | $87,104-81.4% | $152,897-89.4% |
| Participation rate | 45.5% | 79.4%-33.9pp | 76.9%-31.4pp | 82.5%-37.0pp |
| Annual return | 28.33% | 28.10%+0.2pp | 28.19%+0.1pp | 345.43%-317.1pp |
| Employer contribution / active EE | $736 | $3,221-77.1% | $2,521-70.8% | $4,764-84.5% |
| Participant deferral / active EE | $3,738 | $4,778-21.8% | $4,048-7.7% | $5,851-36.1% |
| Admin fee / account holder | $883 | $12,194-92.8% | $7,491-88.2% | $11,599-92.4% |