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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 | $10,964 | $181,896-94.0% | $156,551-93.0% | $273,972-96.0% |
| Participation rate | 66.7% | 88.4%-21.7pp | 84.0%-17.3pp | 83.0%-16.3pp |
| Annual return | 3.47% | 30.74%-27.3pp | 32.23%-28.8pp | 41.46%-38.0pp |
| Employer contribution / active EE | $7,972 | $6,248+27.6% | $5,501+44.9% | $4,869+63.7% |
| Participant deferral / active EE | $7,717 | $5,550+39.0% | $4,871+58.4% | $5,287+45.9% |
| Admin fee / account holder | $38,798 | $15,560+149.3% | $13,028+197.8% | $10,133+282.9% |