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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 | $14,223 | $157,296-91.0% | $141,191-89.9% | $152,897-90.7% |
| Participation rate | 60.0% | 84.8%-24.8pp | 82.5%-22.5pp | 82.5%-22.5pp |
| Annual return | 20.52% | 64.34%-43.8pp | 71.41%-50.9pp | 345.43%-324.9pp |
| Employer contribution / active EE | $2,294 | $5,262-56.4% | $4,736-51.6% | $4,764-51.8% |
| Participant deferral / active EE | $4,785 | $7,111-32.7% | $6,710-28.7% | $5,851-18.2% |
| Admin fee / account holder | $4,311 | $12,125-64.4% | $10,264-58.0% | $11,599-62.8% |