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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 | $11,986 | $118,869-89.9% | $96,575-87.6% | $167,518-92.8% |
| Participation rate | 63.6% | 75.5%-11.8pp | 69.8%-6.2pp | 82.1%-18.5pp |
| Annual return | 14.22% | 50.49%-36.3pp | 37.79%-23.6pp | 478.71%-464.5pp |
| Employer contribution / active EE | $1,345 | $3,120-56.9% | $2,357-42.9% | $4,838-72.2% |
| Participant deferral / active EE | $3,680 | $4,616-20.3% | $3,849-4.4% | $6,342-42.0% |
| Admin fee / account holder | $305 | $8,067-96.2% | $6,182-95.1% | $12,312-97.5% |