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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 | $20,747 | $228,395-90.9% | $185,861-88.8% | $158,982-87.0% |
| Participation rate | 50.0% | 82.3%-32.3pp | 78.0%-28.0pp | 82.0%-32.0pp |
| Annual return | 32.72% | 40.82%-8.1pp | 35.96%-3.2pp | 302.99%-270.3pp |
| Employer contribution / active EE | $1,185 | $4,968-76.1% | $4,088-71.0% | $4,763-75.1% |
| Participant deferral / active EE | $2,416 | $6,417-62.3% | $5,634-57.1% | $5,983-59.6% |
| Admin fee / account holder | $1,160 | $11,869-90.2% | $9,503-87.8% | $11,252-89.7% |