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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 | $17,721 | $142,430-87.6% | $115,170-84.6% | $152,897-88.4% |
| Participation rate | 50.0% | 82.4%-32.4pp | 75.9%-25.9pp | 82.5%-32.5pp |
| Annual return | 16.18% | 41.48%-25.3pp | 35.60%-19.4pp | 345.43%-329.2pp |
| Employer contribution / active EE | $2,018 | $4,011-49.7% | $3,179-36.5% | $4,764-57.6% |
| Participant deferral / active EE | $2,523 | $5,165-51.2% | $4,169-39.5% | $5,851-56.9% |
| Admin fee / account holder | $423 | $8,464-95.0% | $7,089-94.0% | $11,599-96.3% |