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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 | $17,839 | $165,381-89.2% | $149,730-88.1% | $158,966-88.8% |
| Participation rate | 64.3% | 84.6%-20.3pp | 82.5%-18.2pp | 82.0%-17.7pp |
| Annual return | 14.58% | 348.29%-333.7pp | 276.70%-262.1pp | 302.95%-288.4pp |
| Employer contribution / active EE | $1,980 | $5,104-61.2% | $4,645-57.4% | $4,762-58.4% |
| Participant deferral / active EE | $5,742 | $7,182-20.0% | $6,843-16.1% | $5,983-4.0% |
| Admin fee / account holder | $3,091 | $10,809-71.4% | $9,310-66.8% | $11,250-72.5% |