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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 | $12,390 | $99,652-87.6% | $78,778-84.3% | $147,586-91.6% |
| Participation rate | 57.1% | 76.2%-19.1pp | 69.2%-12.0pp | 82.8%-25.7pp |
| Annual return | 10.74% | 47.28%-36.5pp | 35.62%-24.9pp | 578.59%-567.9pp |
| Employer contribution / active EE | $1,867 | $2,796-33.2% | $1,986-6.0% | $4,876-61.7% |
| Participant deferral / active EE | $3,877 | $3,664+5.8% | $2,958+31.0% | $5,439-28.7% |
| Admin fee / account holder | $7,406 | $7,155+3.5% | $5,134+44.3% | $10,886-32.0% |