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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 | $17,499 | $149,679-88.3% | $117,039-85.0% | $147,586-88.1% |
| Participation rate | 60.0% | 83.5%-23.5pp | 77.2%-17.2pp | 82.8%-22.8pp |
| Annual return | 20.29% | 19.31%+1.0pp | 18.95%+1.3pp | 578.59%-558.3pp |
| Employer contribution / active EE | $1,043 | $4,937-78.9% | $3,785-72.5% | $4,876-78.6% |
| Participant deferral / active EE | $1,304 | $4,912-73.5% | $3,929-66.8% | $5,439-76.0% |
| Admin fee / account holder | $344 | $7,856-95.6% | $5,974-94.2% | $10,886-96.8% |