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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 | $18,368 | $147,556-87.6% | $129,031-85.8% | $198,609-90.8% |
| Participation rate | 43.8% | 77.2%-33.5pp | 73.4%-29.6pp | 82.4%-38.6pp |
| Annual return | 22.09% | 37.41%-15.3pp | 34.67%-12.6pp | 202.70%-180.6pp |
| Employer contribution / active EE | $950 | $3,645-73.9% | $3,226-70.6% | $5,055-81.2% |
| Participant deferral / active EE | $1,899 | $5,760-67.0% | $5,217-63.6% | $6,977-72.8% |
| Admin fee / account holder | $357 | $15,467-97.7% | $13,208-97.3% | $19,030-98.1% |