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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 | $23,284 | $176,786-86.8% | $146,643-84.1% | $167,536-86.1% |
| Participation rate | 60.0% | 83.6%-23.6pp | 80.1%-20.1pp | 82.1%-22.1pp |
| Annual return | 12.77% | 24.04%-11.3pp | 22.75%-10.0pp | 478.82%-466.0pp |
| Employer contribution / active EE | $1,757 | $5,161-66.0% | $4,137-57.5% | $4,839-63.7% |
| Participant deferral / active EE | $5,232 | $6,440-18.8% | $5,506-5.0% | $6,342-17.5% |
| Admin fee / account holder | $3,146 | $13,262-76.3% | $10,280-69.4% | $12,315-74.5% |