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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 | $36,010 | $137,414-73.8% | $189,537-81.0% | $85,847-58.1% |
| Participation rate | 62.5% | 84.6%-22.1pp | 87.8%-25.3pp | 69.3%-6.8pp |
| Annual return | 22.00% | 38.14%-16.1pp | 555.34%-533.3pp | 318.61%-296.6pp |
| Employer contribution / active EE | $3,395 | $4,344-21.9% | $6,161-44.9% | $2,565+32.3% |
| Participant deferral / active EE | $5,447 | $6,260-13.0% | $8,220-33.7% | $3,952+37.8% |
| Admin fee / account holder | $2,759 | $8,630-68.0% | $12,048-77.1% | $6,261-55.9% |