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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 | $18,421 | $166,131-88.9% | $164,975-88.8% | $145,877-87.4% |
| Participation rate | 69.2% | 82.0%-12.8pp | 78.6%-9.4pp | 80.3%-11.1pp |
| Annual return | 9.16% | 100.37%-91.2pp | 70.12%-61.0pp | 551.28%-542.1pp |
| Employer contribution / active EE | $2,209 | $5,276-58.1% | $4,343-49.1% | $4,663-52.6% |
| Participant deferral / active EE | $5,035 | $6,962-27.7% | $6,033-16.5% | $6,691-24.7% |
| Admin fee / account holder | $797 | $16,648-95.2% | $12,688-93.7% | $13,402-94.1% |