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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 | $9,678 | $103,393-90.6% | $87,103-88.9% | $152,909-93.7% |
| Participation rate | 64.3% | 79.4%-15.1pp | 76.9%-12.6pp | 82.5%-18.2pp |
| Annual return | 12.44% | 28.10%-15.7pp | 28.19%-15.7pp | 345.46%-333.0pp |
| Employer contribution / active EE | $1,431 | $3,221-55.6% | $2,521-43.3% | $4,764-70.0% |
| Participant deferral / active EE | $3,094 | $4,778-35.3% | $4,049-23.6% | $5,851-47.1% |
| Admin fee / account holder | $3,426 | $12,195-71.9% | $7,491-54.3% | $11,601-70.5% |