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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 | $12,998 | $127,387-89.8% | $115,038-88.7% | $125,389-89.6% |
| Participation rate | 50.0% | 84.2%-34.2pp | 81.4%-31.4pp | 83.2%-33.2pp |
| Annual return | 47.80% | 31.28%+16.5pp | 26.14%+21.7pp | 282.24%-234.4pp |
| Employer contribution / active EE | $0 | $5,166-100.0% | $4,608-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $3,247 | $6,423-49.4% | $6,026-46.1% | $5,352-39.3% |
| Admin fee / account holder | $460 | $9,516-95.2% | $8,175-94.4% | $9,541-95.2% |