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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 | $14,416 | $63,346-77.2% | $92,240-84.4% | $70,126-79.4% |
| Participation rate | 65.4% | 68.7%-3.3pp | 76.5%-11.1pp | 69.5%-4.2pp |
| Annual return | 23.66% | 530.19%-506.5pp | 176.29%-152.6pp | 73.15%-49.5pp |
| Employer contribution / active EE | $1,989 | $2,471-19.5% | $3,680-45.9% | $2,343-15.1% |
| Participant deferral / active EE | $3,244 | $2,854+13.7% | $3,897-16.7% | $3,332-2.6% |
| Admin fee / account holder | $1,027 | $3,841-73.3% | $5,194-80.2% | $4,645-77.9% |