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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 | $9,821 | $116,190-91.5% | $93,614-89.5% | $152,885-93.6% |
| Participation rate | 28.6% | 78.0%-49.5pp | 75.8%-47.3pp | 82.5%-53.9pp |
| Annual return | 16.82% | 35.96%-19.1pp | 32.76%-15.9pp | 345.39%-328.6pp |
| Employer contribution / active EE | $1,395 | $3,219-56.7% | $2,718-48.7% | $4,763-70.7% |
| Participant deferral / active EE | $1,563 | $4,604-66.1% | $4,069-61.6% | $5,851-73.3% |
| Admin fee / account holder | $7,083 | $10,749-34.1% | $7,889-10.2% | $11,598-38.9% |