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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 | $17,029 | $176,402-90.3% | $134,162-87.3% | $158,982-89.3% |
| Participation rate | 61.5% | 78.7%-17.2pp | 72.2%-10.6pp | 82.0%-20.4pp |
| Annual return | 16.38% | 63.66%-47.3pp | 36.35%-20.0pp | 302.99%-286.6pp |
| Employer contribution / active EE | $491 | $5,042-90.3% | $3,705-86.7% | $4,763-89.7% |
| Participant deferral / active EE | $1,676 | $4,093-59.1% | $3,500-52.1% | $5,983-72.0% |
| Admin fee / account holder | $703 | $8,719-91.9% | $6,685-89.5% | $11,252-93.8% |