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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 | $6,680 | $86,298-92.3% | $111,308-94.0% | $85,847-92.2% |
| Participation rate | 65.4% | 73.3%-8.0pp | 77.3%-11.9pp | 69.3%-3.9pp |
| Annual return | 18.66% | 19.99%-1.3pp | 54.67%-36.0pp | 318.61%-299.9pp |
| Employer contribution / active EE | $2,046 | $2,044+0.1% | $2,732-25.1% | $2,565-20.2% |
| Participant deferral / active EE | $1,707 | $3,641-53.1% | $4,487-62.0% | $3,952-56.8% |
| Admin fee / account holder | $723 | $8,189-91.2% | $7,965-90.9% | $6,261-88.5% |